As long as you don't apply for surgery for a while, you will naturally be eliminated.
1. Long-term lending is due to too many applications and operations from multiple platforms, which will affect personal credit risk. If you want to get rid of it, you only need to apply for operation for a period of time, and it will be eliminated naturally, but they have loans and will definitely show them all the time. The above inspection also includes long-term loan testing, but if it is not done for a period of time, it will naturally be eliminated, and there is a record of long-term loans in personal credit information. As long as part of the debt is repaid, long-term loans are eliminated. For example, if a user applies for three loans at the same time, as long as the user pays off two loans in advance, then only one loan is needed, and the situation of long-term loans naturally does not exist. Users should try to avoid applying for multiple loans at the same time when applying for loans. As long as the application time is staggered, long-term loans can be avoided.
2. When multiple loans occur, you apply for more than one loan. Once you find that you have borrowed money, you must first find out your borrowing situation, the amount owed and the interest rate, stop borrowing, and repay in time according to the existing arrears. For some debts with higher interest rates, you can repay them first to avoid more debts. If the funds are tight, you can borrow money from relatives and friends and avoid borrowing money from lending institutions. Long-term loans are easily overdue, so we should pay attention to this situation.
3. Multi-head loan means that the borrower applies for multiple small loans at the same time, and the default risk is 3 ~ 4 times higher than that of ordinary users. The overdue records of long-term loans with bank credit check marks shall not be eliminated within five years from the settlement date after the lender settles the overdue funds. It will take about a year to eliminate overdue records on the Internet. Don't exceed the time limit: if a long-term loan is successful and approved, then you must pay attention to repayment on time and don't exceed the time limit, otherwise a certain overdue will not only affect credit but also lead to a full-scale outbreak.
Multi-head loan, that is, a single borrower puts forward loan demand to two or more financial institutions. Borrowing from multiple sources is inherently risky because the repayment ability of a single user is limited. Generally speaking, the borrower's long-term borrowing shows that the borrower's capital demand is difficult and there is reason to doubt its repayment ability.
When can the loan record be eliminated?
1. Loan products with credit information will be eliminated after the lender has settled the overdue amount for five years.
2. It will take about 1 year to eliminate overdue records if multiple loans overdue records are collected online.
3. Moreover, after the reform of the new version of credit information, the use records of loans and credit cards within five years will now be displayed, that is to say, as long as the credit information is received, it will be eliminated if it is settled five years in advance. If it is not overdue, it will display the personal credit inquiry records within two years, not two years ago.
How to clean up too many online loan registrations?
If there are too many online loan registrations to be cleared, the customer will pay off the arrears on the platform that he does not intend to borrow in the future, and then apply for cancellation of the platform loan account.
Of course, the cancellation of accounts does not mean that the lending information on big data will also be eliminated. In this regard, customers are advised not to apply for new loans for the time being, and to keep them for at least three months. After three months, the situation of "lack" of big data and too many loan records can generally be improved.
After that, if there is a loan demand, don't borrow too frequently in a short time. Generally, two or three loans are enough. Otherwise, there will be long-term lending.
Especially if you apply for more than a dozen loans a day, you must pay attention to avoiding them. You know, borrowing too frequently in a short period of time can easily increase the possibility of loan rejection. At that time, not only can you not borrow money, but big data will "bloom" again.
In addition, customers should also pay attention to maintaining good personal credit, and must remember to repay the loan on time to avoid overdue. Otherwise, bad information of big data will appear, resulting in credit damage.