The general time is for 3 to 6 months, and do not point online loans and credit cards in the middle. It is also possible to disappear if targeted optimization is to be done.

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One, the net credit point more big data spent first of all can try to reduce the frequency of borrowing for a week, the net credit big data spent can also be optimized, don't worry about it, usually the net lending institutions query is the applicant's last three months of the net credit application record, so if the user's net credit big data spent, the user in the latter part of the month one to three months as far as possible don't apply for the net credit, the user can not apply for the net credit, the user can not apply for the net credit. The number of applications in a month must not be more than ten times, the number of applications in a week as much as possible not more than two times, so that the online loan application record can be updated, may be able to cover up the previous record. As the big data is automatically updated, that is to say, man can not be eliminated, so usually need three to six months do not have any loan application operation, when the system is automatically updated, these records will naturally be cleared. It is also important to closely control liabilities to pay attention to abnormal risks. This will hopefully reduce the risk and index score. Online lending data is based on the company that cooperates with the relevant custody analysis, the basic custody conditions are two years, in these two years if no borrowing or overdue, the user's registration and other information will occur automatically canceled.

Two, if the user online loan points more than one lead to big data spent, can be optimized from the following aspects of the hand: 1, try to reduce the debt. 2, reduce the frequency of their applications. 3, be sure to protect personal information. 4, improve the quality of their social circle.

Three, online loan big data spent, that is, in a short period of time many times to register and apply for more online loans. Net credit big data, mainly based on the personal data submitted by the user when applying for a net loan, from lending to repayment of all the data generated in the whole cycle of information, will be net credit big data system for automatic capture and access to all the data information, and uploaded to the net loan database, **** enjoy to other net loan platforms used to audit the use of.