It takes at least 6 months for big data to recover, and it is necessary to collect credit within these 6 months. Six months is no good, just about 1 year.
Different credit reports need different recovery periods. For the bad credit information caused by overdue, the first thing is to pay off the money before the credit information can be repaired, otherwise the credit information will continue to be spent. Generally speaking, it takes a long time to repair the bad credit information caused by overdue, as short as two years, and it takes five years to completely repair the unrecorded inquiry, during which it needs to be covered by new good credit information consumption.
For the credit investigation caused by inquiry, the degree is relatively light, and there is no credit investigation black spot in principle, so the repair period is short. Generally speaking, the basic repair period of credit information caused by frequent inquiries is six months to one year. As long as there is no frequent credit inquiry within one year, it can basically be repaired.
However, it should be noted that the inquiry of credit information is not just your own inquiry. In many cases, when applying for credit business, the platform for handling credit inquires about your credit record. For example, the loan bank will inquire, and if you often apply for loans, it will also inquire about your personal credit, which will lead to many times when you don't inquire yourself, and your credit will be spent.
How long did it take to recover big data?
The usage record of big data needs a lot of time to improve and recover as soon as possible. It will take five years for the online loan record on the credit report to be gradually cleared, but the online loan account on the credit report always exists unless the online loan account is cancelled. As long as the online loan is not overdue, you can apply for a mortgage in time without being affected.
The online loan application records in the online loan data report can only be cleared in1February, but the online loan application records in the online loan data report will not affect the success rate of users applying for online loans.
The only thing that can affect the success rate of users applying for online loans is the online black index score. When the online lending platform reviews the user's loan, it will query the user's online black index score at the first time. If the online black index score is too low, it will be rejected directly.
The online black index score 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.
The low score of Internet Black Index will not only affect the success rate of online lending, but also affect users' flower beds and flower beds, and even lead to the closure of flower beds and flower beds.
Just open WeChat and search: Migu Data. Click "Query" and enter information to query the credit data of 100 banks. This data comes from online lending platforms and UnionPay centers all over the country. Users can query their own big data and credit status, get all kinds of index data, and know their own personal credit status, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit line estimation and other important data information.
Compared with the central bank's personal credit report, the atmosphere of personal credit records is more extensive and its publishing institutions are more diverse. For example, general credit information and sesame credit score are all part of personal credit records, which are more similar to online big data credit information on the whole and are a useful supplement to traditional personal credit information.
At present, the country is building an all-round "credit network" with no dead ends. Unicom's social and information sharing, whether it is a credit report or a personal credit record, are important components. Protect your credit. Credit is everyone's greatest asset and wealth.
How long will the online loan be overdue before the big data will be cleared? How to repair online loan big data?
How long will the online loan be overdue before the big data will be cleared? How to repair online loan big data?
How long will the online loan be overdue before the big data will be cleared?
At present, there are many platforms for recording personal credit, such as the central bank's credit information system, online loan big data, and Alipay sesame credit score. The central bank's credit information records the person's past credit records, mainly the bank's lending services;
Alipay Sesame Credit Score mainly records the performance of Alipay; Online loan big data mainly records the situation of individuals in online loans. When online loans are overdue, how often will online loan big data be invited?
The cleaning time of online loan big data is once every three months, which will automatically clean up personal past non-performing loan records, but individuals need to pay off all debts.
If the online lending platform still owes money, the record of non-performing loans in big data will always be retained. The best way to clear the personal bad loan record is to repay the loan first, and then wait for three months.
Now there are exciting data in Alipay, which records more than 98% of the online loan platform data in the country, and also records the borrower's online loan history, repayment, overdue, blacklist and so on. , you can query after input.
How to repair online loan big data?
In many online lending platforms, when querying online lending big data many times, it may lead to big data turning into flowers, which will affect personal online lending. How to fix the changes in online loan big data?
1. Pay off the loan
If the online loan is overdue, it will lead to a bad record of big data. The loan platform will not continue to upload personal overdue bad information until it is paid off, and the online loan big data can be repaired after three months of repayment.
2. No more online loans
Every time you register an online loan platform and apply for an online loan, the loan platform will query online loan big data. The more platforms you apply for, the more big data you will display. Therefore, the platform will think that you are short of money, and you will no longer use online loans after you repay the loan.
3. Reduce the number of online loan big data queries.
Every time you query big data, there will be records. The more you ask, the worse for you.
Online lending can really make us enjoy the convenience of fast loans, but it will also have high interest, and overdue loans will also affect our credit.
How to remedy online loan credit?
If the credit information becomes "invalid" due to too many online loan clicks, it is suggested to do the following: 1. Don't click on new online loans for the time being to avoid more loan records on credit information. Of course, banks or other licensed financial institutions should not apply for loans for the time being, because they will also leave relevant records on the credit information. And everyone needs to pay attention, it is best to keep it for at least three months. 2. During the three-month period when the loan is suspended, if there are still many outstanding loans in the name, it is estimated that the personal debt ratio is not low, and you can find ways to pay off the loans during this period. If you can't pay it back for a while, pay it back as much as possible, so as to reduce the personal debt ratio. 3. After three months, the situation of "spending money" in credit reporting should be improved. Of course, don't borrow frequently afterwards, otherwise the credit may be "spent" again. Lending should be based on actual capital demand and repayment ability. Note that the loan records on the credit information will not be deleted, but will be kept all the time, but the newly accumulated records will gradually cover the previous records.