Why didn't you receive the news when the credit loan was paid off?

The loan of the rural credit cooperative has been paid off, why hasn't it been settled? Where should I look?

You should pay attention to this situation. You can go to a credit union for a loan as soon as possible.

Because you borrowed money from the credit union, find out why it hasn't been solved. If it has been paid off, let the credit cooperatives handle the settlement problem in time. Don't delay, because it involves your own credit problem. If overdue, it will have an impact on credit.

Of course, the general credit report will be delayed for one or two months before it is displayed. For the credit business during the normal account opening period, the Credit Information Center will update it every month. However, after the credit business is closed or settled, its information will not be updated.

If the information in the personal credit report is incorrect, there are two ways to deal with it: first, bring the original and photocopy of valid identity documents and personal credit report and file an objection application with the local branch of the People's Bank of China; Or directly contact the bank that handles banking business. The Credit Information Center of China People's Bank and the bank handling the business will immediately check and correct the wrong information after receiving the objection application, and give a reply within 20 days.

According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident, and it will be deleted after more than 5 years. The starting point of five years here is the day when the bad behavior or event ends, not the day when the bad behavior occurs.

In other words, there is a loans overdue, which can only be deleted when the arrears are returned five years later, instead of being automatically eliminated five years after the overdue date.

Another point is that if you print the credit report, after the credit report is printed, there is no information about your previous loan settlement. The easiest way is to reprint the credit report according to the update time of the bank credit information, and then after the bank updates the information.

However, if you need to use the credit report urgently before the bank updates the credit information, you can also provide the bank settlement certificate to other financial institutions, and other financial institutions will recognize it after seeing these settlement certificates.

However, if your credit information is still not displayed after the bank updates the credit date, it may be that the bank has not reported it. In this case, you can call the bank's customer service number and ask them to repair the credit information, or go directly to the institution where you apply for a loan and ask them to communicate with the bank in time and correct the credit information in time, so your credit information will be displayed normally after next month.

Why is my loan paid off, and the credit report still shows that it has not been paid off?

The online lending platform did not report to the credit information system in time after the loan repayment. Although the credit information system requires the loan platform to report the collected information in real time, the reporting time of each online loan is different, and some of them are not reported until the billing date. In this case, please contact the customer as soon as possible and ask them to report as soon as possible.

After the online loan platform was reported, the credit information center did not update in time. Under normal circumstances, the credit information system will not be updated until T+ 1 after the lending institution reports the new lending information of users. In this case, it is recommended to wait 2~3 days to check the credit, and then you can see the credit.

Matters needing attention in personal credit report

"Query Time" is not equal to "Report Time": "Query Time" refers to the time when the system receives the query application from the query operator; "Report Time" refers to the time when your credit report is generated after the system receives the inquiry application.

Marital status information does not come directly from the Civil Affairs Bureau, but from the financial institution where you handle business, and its content comes from the information you provide to the financial institution.

"Inquiry record" reflects the history of your credit report being inquired, and shows which institution or who inquired about your credit report when and why. The contents displayed include the date of inquiry, the inquirer and the reason of inquiry.

At present, the repayment is overdue, and it will be paid in the second month. Why hasn't the credit report been updated?

The loan has been fully paid off before the deadline, but the personal credit report has not been updated.

During the operation of the first generation credit information system, the Credit Information Center of the People's Bank of China requires all data reporting institutions (mainly banks) to submit at least one bottom-up stock message at the beginning of each month, and submit incremental messages according to their own situation in the middle of each month (some banks with small data and strong scientific and technological strength will submit more messages; Some banks have a large amount of data and weak scientific and technological strength, so they submit less news), so the frequency of credit update in this period can be understood as "update once a month at the longest", and most banks update their credit once a month. Last year, the second-generation credit information system was officially switched to the Internet. In the new era, the Credit Information Center of the People's Bank of China requires all data reporting institutions (mainly banks) to submit credit information according to the rule of "T+ 1", that is, the credit information reported on the previous working day of each working day can be understood as the next day, that is, after the loan is repaid, the bank will submit the credit information containing repayment information to the basic financial credit information database (also known as the second-generation credit information system) on the second working day. What we say here is "report the next day" instead of "update the next day", which means that the bank will submit the data on the second working day, and the credit information system needs to update the credit information report after the data is received, verified and transmitted. However, this is only the requirement of the People's Bank of China. At present, some data submission institutions need to submit a large amount of credit data, or the scientific and technological strength is too weak, and the developed data submission system is too poor to meet the requirements of "T+ 1". It is submitted every two working days or once a week, and even some small data reporting institutions (such as some microfinance companies) only report it 2-3 times a month. To sum up, at present, the four major state-owned banks and joint-stock banks in China have basically achieved "T+ 1", that is, "reporting the next day", while local banks such as city commercial banks and rural commercial banks are uneven. Developed areas have achieved "T+ 1", and underdeveloped areas may only report once every 2-3 working days. Underdeveloped areas. However, microfinance companies are even more varied. Large microfinance companies have achieved "T+ 1" or once a week. Small loan companies may only report 2-3 times a month, and even some small loan companies can only guarantee to report at least once a month. However, in any case, each data reporting institution will ensure that it is updated at least once a month. Otherwise, the Credit Information Center of the People's Bank of China will issue a list of "Unreupdated Data", requiring the data reporting institution to check the reasons for not updating and submit a rectification plan. The updating speed of credit information is closely related to the data volume, data standardization degree and scientific and technological strength of data reporting institutions.

See more?

Why is my loan paid off, and the credit report still shows that it has not been paid off? What's going on here?

The general credit report will be delayed for one or two months before it is displayed. For the credit business during the normal account opening period, the Credit Information Center will update it every month. However, after the credit business is closed or settled, its information will not be updated.

If the information in the personal credit report is incorrect, there are two ways to deal with it: first, bring the original and photocopy of valid identity documents and personal credit report and file an objection application with the local branch of the People's Bank of China; Or directly contact the bank that handles banking business.

The Credit Information Center of China People's Bank and the bank handling the business will immediately check and correct the wrong information after receiving the objection application, and give a reply within 20 days.

According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident, and it will be deleted after more than 5 years.

The starting point of five years here is the day when the bad behavior or event ends, not the day when the bad behavior occurs. In other words, there is a loans overdue, which can only be deleted when the arrears are returned five years later, instead of being automatically eliminated five years after the overdue date.

To query personal credit record report online, you can follow the following steps: 1. Open the personal credit service platform website of the Credit Information Center of the People's Bank of China (Google Browser version 3.3.2) on the computer. 2. After entering the personal credit service platform, fill in your real name and ID number, enter the verification code, and then click "Next" to register. 3. Set personal login name and password, enter any valid bank card number, relevant information, personal mobile phone number (which should be the one associated with the bank card) and the ID card verification code received by the mobile phone, click "Submit" and complete the operation according to the program prompts. 4. After completion, the system will prompt the applicant to inform him of the credit information inquiry code by SMS 24 hours later. 5. The next day, after receiving the personal credit information query code, log in to the personal credit information service platform of the Credit Information Center of the People's Bank of China in time, click "Credit Report Query", and enter the personal credit information query code received by the mobile phone according to the prompt, and the query result will be displayed.