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.

How long can I resume credit investigation after the deadline?

1. After the overdue repayment of the credit card, the overdue records will be kept for 5 years from the date of settlement, and the system will automatically delete the records after 5 years, which means that the credit information will return to the state of no overdue records after 5 years. During this period, users also need to avoid new overdue records, keep the habit of repaying on time for a long time, and establish new personal trustworthy records.

If the credit card is overdue, the user must repay it as soon as possible. The longer the delay, the greater the impact on personal credit.

2. According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident, and it will be deleted after more than 5 years.

3. The starting point of five years here is the day when the bad behavior or event ends, not the day when the bad behavior occurs. In other words, you have a loans overdue, and you have to wait for five years to delete it after you pay off the arrears, instead of automatically eliminating it after five years overdue.

Credit information maintenance method

1. First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information 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.

2. 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. At this time, we should continue to maintain the long-term benign use of cards, so as to "clear" our personal credit records through good credit transactions in the future. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.

Please click to enter the picture description (maximum 18 words).

How often is the credit report updated after repayment?

Credit information will be updated at T+ 1 After overdue repayment, the lender will upload the paid-off information to the People's Bank of China for credit investigation on the same day, and the credit investigation will be updated at T+ 1. Lending institutions upload information once a month or several months, and the time to update credit information is T+ 1 day after uploading information. Different financial institutions upload information at different times.

Extended data:

Credit investigation includes personal credit and enterprise credit. Of course, there are also government credit reports, but they can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of credit ability (mainly solvency and solvency degree) of enterprises, bond issuers, financial institutions and other market participants on the basis of analyzing and studying their credit records, operating level, financial situation, external environment and other factors. Formally, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its reputation, and it is an indispensable intermediary service in the market economy system.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

The credit report is based on the Report on the Development of Credit Information Industry in China (2003-20 13) issued by the People's Bank of China, forwarded by the Central People's Government of People's Republic of China (PRC). It is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted.

How long can I renew my credit card after I pay it off?

Hello, let me answer your question.

It will take five years to resume credit reporting after the credit card is overdue.

Because according to Article 16 of the Regulations on the Administration of Credit Information Industry, "the retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or incident, and it should be deleted after five years". In other words, the previous bad credit records will be deleted five years after the arrears are paid off. Some people just want to cancel their credit cards after overdue repayment. In fact, the repayment record in this card will not disappear in the credit report because of the cancellation of the card, and the credit report will also record the card usage in the first five years.

However, in practice, banks will not be so strict when reviewing credit information, nor does it mean that there are some small bad records that will not give opportunities at all. Moreover, the credit report is not the only content that needs approval. Personal income, assets under one's name and bank flow may all affect the loan application.

You can have a look. I hope my answer will help you.

I wish you a happy life.