Reasons:

1. Records of credit bureaus: Credit bureaus will record the overdue information in personal credit reports, and these records are usually kept for a longer period of time for financial institutions' reference.

2. Legal requirements: According to relevant Chinese laws, overdue records can be kept in personal credit reports for a period of time to ensure the security of financial transactions.

3. Impact on credit score: Late repayment will affect one's credit score, which is usually kept in the credit bureau's system for a period of time to reflect one's repayment ability and credit status.

Summary:

The credit score of one day late on an online loan usually takes 3 years to be removed. This is due to the credit bureau records, legal regulations and credit scores and other factors **** the same role. In order to maintain the security of financial transactions, it is very important to pay off debts in a timely manner in order to avoid long-term adverse effects on one's credit.

Related Information:

The credit rating system is an important financial infrastructure in China, helping to promote the stability and development of the financial market. Late records have a significant impact on an individual's credit rating, so it is advisable to ensure that you make your payments on time to maintain a good credit standing.