1. Clean up debts. There are too many online loans for credit investigation, and the borrower's debt ratio is high, which will lead to "running out of credit investigation". Borrowers can first list the online lending platforms they have applied for, and if they apply for credit information, they will settle it as soon as possible, which can reduce the debt ratio and avoid leaving a tainted record beyond the time limit.

2. No more applications for new online loans. If you want to eliminate the online loan record, the first thing to do is not to apply for a new online loan platform. Most financial institutions look at the borrower's loan records in the past two years, so during this period, borrowers should not apply for online loans or other loans, and it is best not to apply for credit cards. They should keep their credit information well.

3, reduce curiosity, many borrowers have too many online loan records, in fact, because of curiosity, to check the quota, leaving traces. As long as the borrower clicks "check the limit", the credit will leave a record, so everyone must restrain their curiosity.