After the credit card pays back the money, it will generally be shown in the seven-day credit report that it has been paid off, but it will generally not exceed this time depending on the data uploaded by various banks.

Generally speaking, the loan credit report will not be displayed on the same day, and it usually takes one month to update the credit information system. If the user repays the loan, the contents recorded in the credit report will be reflected in the credit report after it is updated, and the credit report will be updated as soon as seven days or even longer.

First, the main role of credit reporting.

(1) Reduce information asymmetry. Credit investigation can help banks make a reasonable evaluation and avoid the risk of non-performing loans.

(2) Reduce the information rent charged. When there is an evaluation report, the bank can reduce the information fee charged.

(3) Create constraints. Credit information will record and analyze the loan situation, which can bind the lender. If there is a problem with the credit information record, the loan will also be a problem.

(4) Reduce excessive borrowing. The credit information record on the loan will make the borrower borrow cautiously and reduce excessive borrowing.

(5) Credit investigation can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment.

Second, how to solve the credit record.

(a) Reduce the number of inquiries. Asking too much will automatically determine that the borrower has a very urgent demand for money, thus doubting the borrower's repayment ability, which is not good for borrowing;

(2) Reduce the debt ratio. If you want to save the credit information, you must solve the bad records in a targeted way, such as overdue and timely repayment and curbing bad consumption.

(3) Maintain good consumption. In addition to timely repayment, you should also use your own credit account more. As long as you can repay in time, you can increase the activity of your credit account.

Third, the significance of credit reporting.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.