If the online loan is not credit, then there is no record on the credit, and generally only the online loan big data can be found; If you make a credit inquiry, you can see the loan approval record, post-loan management record, loan repayment, loan amount and other information in the inquiry information and credit information of the credit inquiry.
Development history
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".
Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape. The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates strict market access conditions and corresponding approval procedures for credit reporting agencies to engage in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies to collect, store and provide credit information, and clarifies the rights of information subjects.
If it is a loan approval record left by applying for online loan, it will be kept for 2 years and automatically eliminated after 2 years. If the online lending institution conducts post-lending management after approving the loan, such inquiry records will also be kept for 2 years. Settle an online loan, and the online loan will not have a query record.
Normal use of online loans, timely repayment, the borrower's credit information will show online loans, but it will not have a great negative impact on credit information. In case of overdue repayment and settlement of overdue loans, the overdue records of online loans will be kept for 5 years, and will be automatically eliminated after 5 years, but the loan records will always exist.
There are not many loan inquiry records, which have little influence on personal credit information, while loans overdue records easily lead to borrowers' inability to borrow normally in the future.
Is there an online loan record in the credit report? Still depends on whether the loan is in the credit. When you apply for online loans, you should still pay attention to whether you need to inquire about credit information for your loans, repay them on time after borrowing, and maintain good personal credit.