The reason why the overdue online loan for credit information affects the credit information is that the borrower fails to repay the loan on time or in full within the specified time. The first thing for a borrower to resume credit investigation is to pay off overdue debts, and the overdue expenses incurred in addition to the principal are also included, subject to the repayment amount displayed on the online loan repayment page.
1. If it is generally overdue and the credit history is overdue, the credit can be resumed after 5 years from the date of payment.
2. For example, if the borrower is overdue for a long time, exceeding 180 days or more, it is considered that the arrears cannot be recovered, and there will be bad debt records in the credit investigation. In this case, after paying off the overdue debt, it is necessary to contact the lending institution to change the bad debt into overdue, and then it will be five years before the credit investigation can be resumed.
Note that manual whitewashing of overdue credit records is not supported, and borrowers should not go to online intermediaries that can help repair credit information, so as to avoid being cheated of money and information and even causing other more serious consequences.
However, there are also ways to quickly restore credit information. For many subjective reasons, such as the loan platform with money in Cary does not deduct money when it expires, or loans overdue, who is an impostor, the borrower can provide relevant evidence to file an objection application, so that the online loan platform can modify the credit information, otherwise there is no other shortcut to quickly restore the credit information.
If you are not clear about your debt and online loan data, you can start with the data of 13 to obtain the online loan big data report, which contains detailed data such as online loan application records, overdue details and blacklists.
Extended data:
Will loans overdue repay the loan at the credit meeting later?
If the online loan is connected to the central bank's credit information system, the relevant repayment records will naturally be recorded in the credit information. If it is accidentally overdue, it will also leave an overdue record on the credit report, and the overdue repayment will also leave a record. However, the overdue records on credit information will generally be kept for at least five years after the arrears are paid off before they can be deleted by the system.
If the online loan has not been connected to the central bank's credit information system, then the relevant repayment records are usually recorded in big data, which has nothing to do with credit information. If it is overdue, it also leaves overdue information in big data, repays after it is overdue, and the repayment record is also updated in big data.
Regardless of whether the online loan is connected to the central bank's credit information, we should pay attention to developing the good habit of repayment on time and try to avoid overdue behavior. Because once overdue, it will lead to personal credit damage, which will inevitably affect the handling of credit business in the later period. After the credit is damaged, it is not easy to repair it.