Network loan big data will be automatically cleared once every 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 all be cleared once every 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 loan big data, then the user's online loan big data is good, so as not to affect the user's subsequent application for online loans.

Be careful not to trust 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.

In Bei Tip Quick Check, get a big data report, check your overdue records, categorize your online loans, formal and informal, creditworthy and non-creditworthy. If you want to pay back but don't have enough money, then negotiate with the online lending platform and prioritize paying back the formal creditworthy ones to minimize the impact on you.

Three, how to get a credit card if you have a blacklisted online loan?

As soon as possible to pay off the arrears, and negotiate with each other.

Here are some suggestions to deal with getting rid of the online loan blacklist from the following aspects.

1, do not lose contact with the owed platform to negotiate, informed of the reasons for the inability to repay, to strive for each other's understanding;

2, negotiation of repayment program, try to pay off the loan earlier, especially in terms of interest, you can strive to reduce;

3, after confirming a good repayment program, strictly in accordance with the requirements of the repayment, and do not break the contract.

Generally, if people can actively and properly deal with overdue events, the information on the online loan blacklist can still be eliminated. However, people need to be wary of advertisements that pay money to get rid of bad information.