Pay attention to me and take you to the credit report.
As usual, briefly describe your credit report.
32 online loans have been used, and 4 have not been settled.
Let's take a closer look. There are four outstanding loans.
Two loans show a balance of 0, and one loan shows a balance of 1.
There is also a loan balance of 2947 yuan.
Well, I saw another loan with a balance of 0.
It can be clearly seen that the balance is 0, which is marked as the number of outstanding accounts in the credit information system.
The number of open accounts, in the bank's view, is all your liabilities.
If you return it, it means you haven't returned it.
So at present, all you need to do for this credit investigation is to issue a settlement certificate. Then, cancel all online loan accounts.
As you can see, the number of unsold accounts is recorded here.
In other words, after you close your account, you don't have to record it here.
The specific reasons behind it, why the loan has not been paid off, are not discussed here.
There are technical reasons as well as other reasons. Not just online lending companies.
Let me answer your question again. Why did it pay off at the end of March, and now the credit has not been updated?
Although credit update is now the second generation letter. The update speed is very fast.
But only after you get the loan, the update speed is very fast.
What do you mean? Maybe you have a loan now, and you can get a credit report right away.
It may take a few days.
Do it now.
However, what if you paid off the loan, because it is a revolving loan now, and you borrowed half of it?
If I quote you at this time, you may have to quote again if you borrow it.
Therefore, the general credit settlement update is after the next repayment date.
The settled credit information will be updated.
Don't worry about that.
After you repay the loan, it will definitely show up in the credit report.
It only displays accounts with a balance of 0 or 1. I want to cancel here.
This is why these online loans should be returned in advance before buying a house. I am afraid that the credit report will show that the online loan has not been settled, which will hinder the bank's approval.
Bank approval will re-examine your credit information.
Even need a guarantor.
But in any case, as long as it is not overdue, it will be very easy.
Just meet a demand of the bank.
Whether he asks for the borrower, the settlement of your debt, the settlement certificate or the settlement of your credit card.
These banks actually have their own needs.
Don't change it, your credit report is not overdue, and everything is easy to say.
Ok, that's all for today.
Creation is not easy, thank you for your attention.