Applying for online loans too many times will cost a lot of money. These records exist in a large number of your 1 year, and will be destroyed when they expire. But now big data is updated every month. As long as you get rid of the bad habit of applying for a loan, cover the dishonesty with a new good payment record, and raise big data for 2-3 months, you can slowly recover. However, before reviewing the loan, it is best to find it on WeChat: get the data early, get a credit report of the online loan, and check the big data below.

What if I apply for online loans more frequently?

Frequently apply for online loans, and the collection will be frequently inquired. In the eyes of finance, households have frequently borrowed from high-risk customers. The more so, the fewer people dare to lend you money. The inquiry column of the credit report is updated every day. Today's inquiry will definitely be displayed in the credit report tomorrow. The credit inquiry is updated quickly. Today, XX Bank checked your credit inquiry, and there will be a record of this inquiry in your credit inquiry tomorrow. So if several different banks inquire about your credit report on the same day, they don't know about it, but if one of them inquires the next day for efficiency reasons, you will find that several banks inquired about your credit report yesterday. Therefore, the more frequent online loans, the lower the chance of application.

How long can online loan records be eliminated?

Its elimination time needs special treatment. If you want to check the online loan application, you still need to find the online loan database.

Many people mistakenly believe that too many online loan application records will lead to the failure of online loan application. In fact, what usually affects the approval of users' online loans is the score of the online loan black index, not the online loan application record. The sub-scale of Cyberblack Index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it belongs to the blacklist of online loans. Once it becomes a blacklist of online loans, it will affect the approval of online loans and car loans, and it will also affect the amount of flowers and loans, and even lead to the closure of flowers and loans. Therefore, if you apply for online loans for a long time, you must check your online loan black index score to prevent yourself from becoming a blacklist of online loans without knowing it. Just open WeChat search: 35 data. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information. Compared with the central bank's personal credit report, the atmosphere of personal credit records is more extensive, and the institutions that publish them are more diverse, such as "Three Five Data" and "Sesame Credit Score", which are all part of personal credit records. Generally speaking, it is more similar to the online big data credit report, which is a useful supplement to the traditional personal credit report. At present, the country is building an all-round "credit network" without dead ends, connecting the society and enjoying information, whether it is a credit report or a personal credit record, it is an important link. Protect your credit. Credit is the greatest asset and wealth for everyone.