Network loan big data will be automatically cleared once in 3 months, as long as the user returns the arrears on time, or pays off the overdue arrears in time, then the normal repayment record and the overdue record will be cleared once in 3 months.

Two, specific analysis

If you do not pay off the overdue arrears, the normal repayment record will be cleared once every 3 months, and the overdue record will continue to be retained in the online loan big data. As long as there are no overdue records and frequent applications resulting in multiple borrowing in the user's online lending big data, then the user's online lending big data is good, so that it will not affect the user's subsequent application for online lending.

Be careful not to believe some people who claim they can help you clean up your big data, online loan big data can only be optimized, no one can clean it up.

Online loan users can also query their own credit qualifications by docking third-party big data risk control platforms, such as, Bei Tip Speed Check, Sesame Credit, etc. The former has established data cooperation with more than 98% of online lending institutions on the market, so its query results are exclusively very accurate. Intuitively, you can not only understand your own big data and credit situation, but also get all kinds of indicator data. Online lending blacklist data in most lending platforms are **** enjoy, that is to say, if the borrower is late or owes money in a platform, such a bad record will also be open in other lending platforms, so we must be careful to maintain their own online credit, otherwise when you again encounter an economic crisis, you will not be able to obtain online lending products based on good personal credit.

Three, the comprehensive score is insufficient where can I check the reason?

The reasons for insufficient comprehensive score are repayment of overdue, too high a level of indebtedness, too many credit inquiries, not enough real information, insufficient level of assets, as explained below.

1. Repayment is overdue.

Most banks or other financial institutions in the review of the user's credit report, will focus on checking the loan repayment records and credit card repayment records, 2 years whether there are 3 consecutive, or a total of 6 times the late record, is the basis for the consideration of the user's loan composite scores, if the user's repayment habits are poorer, loans and credit cards are overdue, will lead to the lack of comprehensive loan scores.

2. The level of indebtedness is too high.

The loan record column in the user's credit report records information such as the loan amount, loan term, and remaining principal of each loan, and the credit card account column records information such as the issuer, credit limit, and utilized amount of each credit card account.

If the user's loan record and credit card record contain high debts, or the ratio of utilized credit limit to credit limit in the credit card account is too high, it proves that the user's funds are relatively tight, and the lending institution's evaluation system will adjust the loan's comprehensive score downward.

3. Too many credit inquiries.

The query record column of the user's credit report records the user's record of querying the credit report within 2 years because of applying for a loan or credit card, if the sum of the number of loan approvals and credit card approvals exceeds 5 times in 1 month, and exceeds 10 times in 3 months, the system will consider that there is a short-term shortage of funds in the short term, which in turn affects the system's decision on the overall score of the loan.

4, the information is not real enough.

The level of truthfulness of the information submitted by the user when applying for a loan will also affect the determination of the comprehensive score of the loan. If the user submits false personal information, or invalid personal information, such as expired ID cards, cell phone numbers and bank cards that are not in his or her real name, etc., the system will adjust down the comprehensive score of the loan, which will affect the normal approval and disbursement of the loan.

5. Insufficient asset level.

The personal income and asset proof information submitted by the user when applying for a loan is also the basis for determining the comprehensive score of the loan. When applying for a loan, if the personal salary stream and asset proof submitted by the user are not sufficient to meet the asset level requirements of the loan platform for minimum debt repayment, it will lead to an insufficient comprehensive score.