To clear all the loan information on your ID card, first query a credit report on the Internet Personal Credit Information Service Platform through the official website of the Credit Reference Center of the People's Bank of China, and then learn about your loan situation from the report , and pay off the outstanding loans as soon as possible.

Since many online loan platforms are not connected to the central bank’s credit reporting system, the relevant loan and repayment status will not be recorded in the credit reporting, so just checking the credit reporting may not necessarily provide a complete picture.

Therefore, it is best to check the big data through a third-party data platform in the future. After finding the loan records, you can also pay off the unpaid loans.

When all the loans under your name are repaid, there will be no problem.

Of course, everyone needs to note that not all previous loan records will be erased after the loan is repaid. The loan information will generally be retained and cannot be deleted manually, so just ensure that all loans are paid off. .

If there is an overdue record, even after the debt is paid off, the overdue record will be retained for at least five years before it can be eliminated by the system.

You can get online loan big data reports from "Kingfisher Data", which include online loan history, online loan overdue details, debt status, dishonesty information, online loan blacklist and other information.

Extended information:

What should you do if you find that your ID card has been loaned?

If you find that your ID card information has been stolen by others to use it for a loan, it is recommended that you quickly contact the loan platform to explain the situation, express that the loan was not operated by you, and ask the other party not to look for you to repay the loan in the future, but to find a scammer. The borrower repays the loan.

Also, be careful to keep your personal identity information (do not disclose your identity information to strangers at will, and keep your ID card well, and do not give it to others casually.

If your ID card is accidentally lost, you must report the loss and reissue it in time) to avoid the information being leaked again and causing security risks.

Everyone needs to note that if the loan platform ignores its own explanation and continues to send text messages and calls for reminders, it can collect relevant evidence and report it to the China Internet Finance Association or the local Banking Regulatory Commission. Report this loan platform.

In addition, you can also try to file a lawsuit with the local People's Court.

Or go to the local public security department to report the crime to safeguard your legitimate rights and interests.