How long will the credit information return to normal?

First of all, it is completely normal if you repay the loan on time and have no negative credit record after paying off. It will not have an adverse impact on the future financial business, but will improve the passing rate in the future. Because your credit record is good, the debt ratio will drop after paying off, and you may be considered as a high-quality user of the bank.

If it is overdue, it is necessary to keep the record of repayment on time for five years after paying off the arrears, so as to return to normal. According to Article 16 of the State Council's Regulations on the Administration of Credit Information Industry, "the retention period of personal bad information by credit information institutions is five years from the date of termination of bad behavior or events, and it will be deleted if it exceeds five years". "Five years from the date of termination" means that five years will be deleted after the arrears are paid off. If overdue records appear again within these five years, they will be recalculated.

Credit report is not the only thing that needs approval. Personal income, personal assets, and bank flow will also affect it. Therefore, many people find that as long as their credit records in the past two years are not overdue, they can still get loans or credit cards, even for one year.

The personal credit information collected by the credit information system is more and more accurate, and it will be uploaded to the credit information system on various online lending platforms. Because of the bad personal credit information caused by loans overdue, it will take five years to repair and eliminate the bad credit record. Before this, the borrower will also pay off all the loans owed before, starting from the date of paying off. As for the user's personal credit, whether the credit record will be eliminated after five years and whether it will have an impact on future loans depends on the specific loan situation of the bank.