There are many loan records, but they have all been paid off, which has no influence on any credit business, mortgage and car loan in the future. On the contrary, there are many credit records in the credit report, but all of them have been repaid, indicating that users have good repayment willingness and sufficient repayment ability, which will make lending institutions more inclined to use them as reference when applying for loans in the future.
When applying for a loan, a lending institution needs to check the user's credit records, and know the user's repayment ability, willingness to repay, personal debt ratio and whether there are overdue records through personal credit reports. Those with blank credit records may be more likely to be rejected by lending institutions. Because there is no data in the credit report, credit agencies can't understand the repayment ability and willingness of users, so many lending institutions are not very friendly to credit users.
Generally speaking, personal credit records have little impact on users, as long as there are no overdue records. There are overdue records in the credit information, which has a great impact on personal credit and will also have an impact on future credit product applications.