The time when the credit report can be restored after the online loan is repaid is as follows:

1. After the online loan is repaid, the credit report will be automatically cleared after 5 years. The retention period of personal information by credit reporting agencies is generally five years after the borrower repays the loan, and the information is automatically cleared after five years;

2. Compared with credit reporting, the recovery of network big data Be fast. Online loan records will be restored at noon the next day after the loan is paid off at the earliest, and are generally updated once every few months.

The materials required for bank loans are as follows:

1. Original and copy of the borrower’s valid identity document;

2. Local permanent residence or valid residence permit Documents proving identity;

3. Documents proving the borrower’s ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, and insurance policy;

4. The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount. Personal and property *** A written document that someone agrees to pledge or mortgage. The written document required by the borrower to obtain the guarantee amount and the guarantor agrees to provide guarantee;

5. The guarantor’s credit report certification materials;

6. Collateral issued by a socially recognized evaluation department Evaluation report;

7. Other documents and information required by the bank.

Legal basis: Article 16 of the "Regulations on the Administration of the Credit Reporting Industry"

The credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident. years; if it exceeds 5 years, it should be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.