Yes, online loans that have been paid off before will have an impact on personal credit.

Explanation:

1. The credit reporting system is one of the tools to assess an individual’s credit status. It assesses the credit level by recording an individual’s borrowing behavior and repayment status.

2. Even if the online loan has been paid off, the relevant information will still remain in the credit report for a period of time and will have an impact on the credit score.

3. After the online loan is paid off, the impact on the credit report is mainly reflected in the following aspects:

- Continuing impact: After the online loan is paid off, the loan information It will still appear on your credit report for a period of time, but it will be marked as settled, gradually weakening the negative impact on your credit score.

- Credit history improvement: Paying off an online loan can demonstrate good repayment ability and help improve your personal credit history, which may have a positive effect on future loan applications.

- Debt burden reduction: After paying off an online loan, the individual is no longer responsible for the repayment of the loan, which can reduce the debt burden and increase disposable income.

4. The credit scoring model is based on a comprehensive consideration of multiple factors. Repayment of online loans is only one of them. Other factors such as loan amount, repayment period, overdue record, etc. will also affect the credit score. The letter has an impact.

5. Credit report is an important reference for financial institutions to evaluate personal credit status. It is recommended to maintain good lending behavior, pay off debts in time, and ensure that future borrowings are repaid on time.

Summary:

Although paying off online loans will have an impact on personal credit, this impact is limited and will gradually weaken over time. Maintaining a good repayment record and borrowing behavior, and strengthening the accumulation of credit history are more critical to improving personal credit scores.

Extended information:

The credit reporting system in China is mainly managed by the People's Bank of China. At present, the main credit reporting agencies in my country include the Credit Reporting Center of the People's Bank of China, Baihang Credit Reporting, Yixin et al. Credit report is an important document that reflects personal credit status and plays an important role in personal loans, credit card applications, etc. Individuals can obtain their own credit report by applying to the credit bureau, and regularly review and verify the information in it to ensure the accuracy and completeness of their personal credit.