1-2 months. After answering the loan repayment, the credit report shows that it usually takes 1-2 months to settle. 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. If it is a record of overdue repayment, it will be kept for 5 years after the loan is paid off, and will be cleared automatically after 5 years. If it is a normal online loan repayment behavior, it will generally show repayment when the application record is updated every month.

Among them, the retention period of overdue bad credit records of credit cards is 2 years, and the repayment information of credit cards is recorded by the central bank's collection system for 24 months, so the loan records over 5 years should be deleted. In short, overdue records of online loans cannot be inquired by other banks for more than five years after repayment of principal and liquidated damages.

The credit report will also show the details of overdue accounts, such as year, month and day, and how many loans were applied for in which institution. Up to now, the balance is XX yuan, and the overdue amount is XX yuan. Overdue for x months in the last x years, whether it is overdue for more than 90 days. It can be seen that the credit report has a very detailed understanding of overdue records, and bank financial institutions can judge whether to lend or issue cards according to this information, and the settlement records will also be displayed together, which can be viewed under the account details that have never been overdue.

Consequences of credit blacklist:

1, unable to apply for loans in banks, companies and other financial institutions. Not only do you want to start a business with a loan, but it is also futile. Even applying for a mortgage or car loan will be rejected. In modern society, owning a car and a house has become a standard of living. Imagine if you have a stable job and have the ability to repay, but you can't get a mortgage or car loan from the bank because of your bad personal credit record, then you must be devastated.

You can't apply for a credit card any more. If personal credit has a bad record, it is impossible to apply for another credit card for personal daily consumption. It's the same in all banks, because all banks can check your credit history;

3. Affect personal travel. If the personal credit record is blacklisted, such as maliciously defaulting on bank loans, the bank. It will cause borrowers to be unable to fly, stay in star-rated hotels and so on.

How long can I update my credit report after the loan is paid off?

Generally speaking, after the loan is paid off, the record will be updated in the credit information about one month. Usually, within one month after the loan is settled, the updated records will be displayed in the credit report. If you pay off your debts in August, the borrowing bank will submit your loan settlement information to the Credit Information Center of China People's Bank around September 10, and the Credit Information Center will upload the information to your personal credit report around September 15.

First, the credit renewal time for paying off small loans.

Generally, it is about 1 month. Because major banks and financial institutions report credit information at different times, sometimes once a month, sometimes several times a month, if your data card is at the reporting point, it may not be reported for the time being. Moreover, after the financial institutions report the data, it will take time for the central bank's credit information center to process it, so it will take some time for it to be finally displayed. In short, it takes about 3~ 1 month from the time when all the small loans are paid off to the time when the credit information is updated, and sometimes it can be displayed as soon as possible.

Second, the credit is not updated:

1, contact the bank. You can directly go to the counter to apply for printing settlement vouchers and related materials, or you can call the phone or mobile app to submit the application. After the bank prints it, it will be stamped and mailed, which usually takes about a week.

2. The bank's settlement certificate must be sealed by the bank, and it must be fresh and cannot be copied, and all the names can be settled before applying, otherwise it will not be issued.

Credit maintenance method:

1. When the important information of the lender or credit card holder changes, the bank information should be updated in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account. If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record.

3. At this time, it is necessary to continue to maintain the long-term benign use of the card, so that personal credit can return to "innocence" through good credit transactions in the future.

How long does it take to show settlement after repayment?

First of all, answer directly.

About two months.

Second, the specific analysis

It usually takes about two months to show the settlement when the user has settled the arrears within the time limit. After paying off the arrears, the user can ask the institution to issue a settlement certificate. After the loan is settled, it will take more than one to two months to be reflected in the credit report. In the meantime, users need to ensure that there are no other overdue debts.

After the credit report is processed, it depends on whether the credit report of the People's Bank has been processed. The People's Bank is a private credit reporting institution with complete records and a wide range of services. Users can query the online loan records of the past 12 months, online black index score, estimated amount, etc., and the query is also very simple.

Just search: quick view of the shell tip. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, the personal credit record is a part of the personal credit record and a useful supplement to the traditional personal credit report.

How long will it take to show that the loan has been settled after it has been paid off?

"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. The product should be formal, no matter the brand or product qualification, it is more reliable to choose a regular big brand, and it is authentic, so beware of black loans;

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.

After the loan is settled, how long can the credit information be updated?

Usually, within one month after the loan is settled, the updated record will be displayed on the credit report. If you pay off your debts in August, the borrowing bank will submit your loan settlement information to the Credit Information Center of China People's Bank around September 10.

The Credit Information Center will upload the information to your personal credit information report around 15. The information uploaded by each bank is slightly different, depending on the uploading time specified by the bank. If the debts are paid off within the time limit, the credit records shall be kept for five years and automatically deleted after five years.

If a user uses a regular loan, it will generally be notified by the central bank at the meeting, so that after the user pays off the loan for five years, the credit information system of the central bank will automatically clear the loan record. There is no way to eliminate it by manual intervention. Therefore, users had better not have bad repayment records, otherwise the impact time will be longer.

The formal loan is collected by the People's Bank of China, which means that after the loan is settled, the repayment record will be kept for 2 years. However, from May, 20 19, the new version of credit information extended the retention period of repayment records to five years, that is to say, after the loan was paid off, the credit information will continue to be retained for five years, and the record will be eliminated after five years. The elimination of credit repayment records can only be automatically updated by the system, and human factors cannot interfere with the elimination time.

In addition, overdue credit records are kept for 5 years from the day after settlement, and will be automatically eliminated after 5 years. However, if it is not settled within the time limit, the overdue record will remain in the credit information, thus permanently affecting personal credit.