First of all, owing online loans will not have a negative impact on personal credit records. When the borrower fails to repay the loan within the time limit, the lending institution will report to the credit reporting institution, which will leave a bad record in the personal credit record.

Secondly, the impact of negative records is limited. As long as the borrower can pay off the debt in time after the deadline, the negative record will be updated or deleted. Of course, the specific handling method may be different according to the lending institution and overdue situation.

In addition, the lack of online loans will also have a negative impact on credit scores. Credit reporting agencies will calculate credit scores based on personal credit records, and liabilities will also lead to a decline in scores. The level of credit score will directly affect the credit reliability of individuals when applying for loans or handling other financial services in the future.

To sum up, owing online loans will not have a negative impact on personal credit information, but this does not mean that credit information will turn black for life. It is the key to rebuild personal credit to repay the arrears in time and improve the credit record.

Supplementary information:

In China, the People's Bank of China is in charge of the credit information system, which aims to record individuals' credit information and behaviors and provide financial institutions with the basis for credit evaluation. The credit report contains personal credit records, loan repayment, overdue records and other information.

According to the relevant laws and regulations of China and the provisions of domestic financial institutions, the loans owed will not be included in personal credit records, resulting in bad credit records. This will have a negative impact on personal credit score and credit reliability.

Faced with negative records, borrowers can solve the overdue problem by communicating with lending institutions, making reasonable repayment plans or applying for appropriate relief policies. If it is really impossible to repay, you can seek professional legal consulting services to understand the relevant legal provisions and personal rights protection.

In short, owing online loans will not have a negative impact on personal credit information, but this does not mean that credit information will turn black for life. Borrowers have the opportunity to rebuild personal credit reliability by repaying debts in time and actively improving credit records.