After paying off the loan, it will be shown on the credit report for one month.

Banks or lending institutions do not upload records in real time, and usually submit information to the credit information system of the People's Bank of China at regular intervals. In other words, the user settled the loan that month and then inquired about the personal credit report of that month, and the records in the credit report may not be updated in time.

But as long as the loan is confirmed to be settled, the user will check it again a few months later, and the credit will show that it has been settled.

Extended data:

Matters needing attention in loan:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.

How long after the online loan is paid off will the credit report show that it has been settled?

"Online loan records are divided into two types, central bank credit reporting and online loan big data.

If the central bank collects credit information, it will be eliminated in 5 years, while online lending big data will be eliminated in 3-6 months.

If you want to know about personal credit information and loans, China Bank can inquire twice a year for free.

You can also search on WeChat, quickly query Feiyu, and query. "

How long after the loan is paid off, the credit report will show that it has been settled in two ways:

1. Under normal circumstances, the loans of P2P wealth management companies will not be reflected in the credit information, and it is impossible to say that the personal credit information shows personal loan information;

If the loan comes from a bank, it must be reported. Even if the loan is settled, the word "settled" will be displayed on the credit report, and the personal loan information will also be reflected in the personal credit report. If the credit is not overdue, the previous loan records can be washed away and covered up by good records. Personal credit information can be inquired by the bank with ID card.

There are three ways to query credit information:

1. Bring your ID card to the local central bank credit information center for on-site inquiry;

2. Inquire through some bank ATMs or websites;

3. Log on to the website of the Central Bank Credit Information Center, register and submit the inquiry application. Browser: Windows browser

The online loan record on the personal credit report will not be eliminated and will always exist. We often say that the overdue credit records disappear after five years, which means bad records. The retention period of personal bad information by credit reporting agencies is five years from the date of termination of bad behavior or incident, and it shall be deleted after five years. "Five years from the date of termination" means that the arrears will not be deleted until five years after they are paid off. If overdue records appear again within these five years, they will be recalculated. Generally speaking, the credit information of China People's Bank is covered once every five years. Overwrite means to update the new repayment records in a rolling way, so that the previous overdue records are overwritten. However, in the case of overdue repayment, bad credit records will always exist. I suggest you make a good record of repayment.

How to find a reliable loan;

1. Products should be regular. Whether it is brand or product qualification, it is more reliable to choose regular big brands, certify genuine products and prevent black loan fraud;

2. Interest and amount are very important. Although the amount of the loan platform is generally linked to personal credit, there are many activities on the formal platform, and the higher the amount, the lower the interest. For example, the money spent by Xiaoman Finance is a formal loan app and belongs to the head. The application for money is simple, the loan is fast, and the loan is flexible. Users can apply on their own initiative. The interest rate of money is transparent, and the interest rate of big brands is low. The maximum loan amount is 200,000, which can meet the needs of most lenders.

How long will it take to show the settlement on the credit report after the online loan repayment?

After the online loan is repaid, it is generally settled on the credit report one month later. Online lending institutions usually upload loan records at a fixed frequency, such as once a month or once a few months, so after users pay off their online loans, the repayment records will not be uploaded to the credit report in real time, so the credit report will not immediately show that the loans have been paid off.

The user paid off the online loan that month. It is suggested to inquire about the credit report next month or later, which will be shown as settled. When inquiring about the credit report in the current month, it will be shown as unpaid because the lending institution has not uploaded the record. After the user pays off the online loan, the online loan repayment page will show that it has been paid off, and then the user can also ask the online loan institution to issue a loan settlement certificate.

Online lending institutions upload repayment records to credit information, and the credit information system will update the information after T+ 1, and users can check the latest credit information report at T+ 1. Without uploading records, the credit report will not be updated.