The loan account has been cancelled. Why can I still see the credit report?

The loan account is cancelled, but the loan record will not be deleted from the credit information system, so users can still query the previous loan record when viewing the credit information report. The loan account has nothing to do with the loan record. When the user cancels the loan account, only the personal registration information of the lending institution is cancelled. As for the loan record, it will remain in the credit report after paying off the arrears.

Normal credit record is a part of personal credit, which is necessary so that users will not be micro-credit users. Moreover, this part of the records will not affect personal credit information, and users can ignore the loan records in their credit information after paying off their debts. After the loan account is cancelled, the loan records previously reported in the credit report will remain in the credit report, and the subsequent loan application of the user will not be affected by the previous records.

The records to be deleted in the credit report are query records and bad credit records. The former is hidden for more than 2 years, and the latter is automatically deleted after paying off overdue debts for 5 years.

How to cancel the loan account number

The loan account number cannot be cancelled. The loan account number in the credit report mainly records the user's loan repayment information. When the user pays off the loan, the status of the loan account will be closed, and then the record will be permanently retained in the credit report. The number of loan accounts, like loan records, is a part of personal credit information. If the number of loan accounts and loan records can be deleted, the user will become a white credit user after deletion.

In fact, every time a user applies for a loan, he will create multiple loan accounts. After paying off the arrears, the loan record and loan account number will be kept. As long as there is no overdue record, a large number of loan accounts will not affect the user's personal credit. As for the cancellation of the loan account by the user, it only clears the information in the lending institution system, and the loan record in the credit report is not affected.

Users can control the frequency of applying for loans to reduce the number of loan accounts. Users often apply for loans, but can repay them on time. To a certain extent, users have strong repayment ability.

After the mortgage is paid off, will the personal credit report reflect the loan situation?

After the mortgage is paid off, there will be relevant loan records in the personal credit report. Everyone needs to pay attention to:

1. Generally speaking, loan records will be kept in the credit report permanently and cannot be deleted manually. Unlike bad records such as overdue, it can be deleted by the system after paying off the arrears for at least five years. Will expire and settle).

2. After paying off the loan, although the loan record will be kept, the status will change to the settled status. If it has not been paid off, it will show the unpaid status. After the loan is paid off, the recorded personal debt ratio will also drop.

3. This kind of loan record is normal, and it will not have a bad influence on the borrower. If you want to borrow again in the future, there is no problem, and you will not refuse the loan because it is recorded in the credit report (of course, if there is too much loan information recorded in the credit report, it may affect the approval; Or there is a record of overdue repayment, and the loan cannot be made in the short term).

Does the credit report still show after the write-off of non-performing loans?

I'm glad to answer your question. The retention period of personal bad credit by credit reporting agencies is five years. As long as it is more than five years, bad credit records will be automatically deleted. Therefore, after your non-performing loan record is written off, the credit report will not show it, and financial institutions such as banks will generally give priority to recent repayment records. As long as your recent repayment consumption record is good, it will have little impact on your loan application. I hope you can repay in time and maintain a good credit status in the future.

According to the Regulations on the Administration of Credit Information Industry, bad credit records will only be kept for five years, and those that exceed five years will be deleted, so bad credit records that exceed five years will not appear in personal credit information reports. Generally speaking, most banks and lending institutions mainly refer to the credit records of loan applicants, not for a period of time, so as long as they keep good repayment records in the later period, they can still increase the credit of loan applicants. I hope my answer can help you solve the problem.

How long does it take to display normal information after the loan is paid off?

Generally speaking, after the loan is paid off, the credit will be updated in about one month. If the loan is paid off this month, the bank will submit the information to the People's Bank of China before June 10, and the People's Bank of China will upload the information to your credit information before June 15. These loan information, or overdue information in repayment, will be uniformly updated and cleared by the People's Bank of China after five years. 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, and the Credit Information Center will upload the information to your personal credit report around September 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.

1. How long can a small loan pay off the credit?

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, what should I do if my 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 needs to be stamped by the bank, and it must be fresh and cannot be copied. Moreover, the micro-loans under its name can only be applied after they are all settled, otherwise they will not be issued.

credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.