1. Weibo Lending is the official credit product brand of Sina Finance. Relying on advanced information encryption technology and the advantages of Weibo, we will provide convenient and safe personal consumption credit services for Weibo users. It has the characteristics of brand guarantee, convenient application, fast loan, transparent interest expenses and strong security.

2. It is understood that Sina has obtained the license of a formal loan company, and the employers are all bank financial institutions, so it will also check the credit information, and the loan users are easily rejected. Therefore, the overdue use of Weibo to borrow money may be recorded in the credit information system.

3. Generally, it is a three-day meeting to collect credit information.

1. How long does it take to make a credit report?

1. On the due repayment date, if the cardholder fails to repay in time, there is a grace period. If the borrower repays the loan within the grace period, there will be no penalty interest and it will not be uploaded to the credit information system. But if you don't pay back the money after the grace period, it is likely to be uploaded to the personal credit information system.

2. The grace period of each bank is different. Most banks have three days, and they can apply for credit investigation if they are overdue for more than three days.

Second, how to eliminate the overdue records of online loans?

1. Overwrite with a new loan record: After loans overdue, don't rush to cancel the relevant account. Doing so will not erase your overdue record. What we have to do is to pay off the arrears and continue to use them, and then ensure that we pay off the arrears on time every time. After a period of time, the previous overdue records can be covered, and the general online lending platform will only refer to the credit records of the past two months.

2. Issue a non-malicious overdue certificate: After the overdue period, we can take the initiative to contact the online lending platform and communicate with the platform in good faith, indicating that we have not intentionally owed money, and give corresponding evidence, so that the platform can help you issue a non-malicious overdue certificate to minimize the adverse effects. In future loans, the certificate can still pass the examination and approval, and its effect is the same as eliminating records.

3. Automatic elimination after waiting for 5 years: overdue records will be automatically eliminated after 5 years, provided that the arrears have been paid off. For example, if you owe 654.38+00000 yuan, you must pay off 654.38+00000 yuan and penalty interest, and then wait five years before the overdue record will be automatically eliminated.