5 years.

According to the query on Lutu.com, we learned that overdue loan records will be eliminated within five years. After the principal, interest, and liquidated damages of the overdue loan are paid off, the credit report will be retained for five years, and will be automatically eliminated after 5 years; However, if the debtor fails to repay the overdue online loan, the overdue record will remain in the credit report. The 5-year period starts from the actual repayment date, not the due repayment date. That is, after the loan is paid off, overdue records that exceed 5 years will be automatically eliminated.