How to delete personal information of online loan?

How to eliminate too many online loan application records

Online loan application records cannot be eliminated.

The records left by the general online loan application will be permanently stored in the credit information (big data), which cannot be forcibly deleted manually, and the system will not actively delete them. But as long as there are not too many such records, it will not bring any adverse effects to customers. You can rest assured.

If the credit information (big data) becomes "invalid" because of too many loan records, the customer will temporarily keep it for at least three months and will not apply for a new loan (and can repay the outstanding loan under his name during this period). After three months, the "lack" of credit information (big data) should be improved.

Online loan application records cannot be eliminated after being uploaded to the credit information center. If you are an investor, wait until all the money is paid back, and then take out the money and cancel it. If it is a borrower, you have to pay back the money first and then cancel it. If you can't cancel independently, you should contact the platform customer service to cancel.

As long as users can repay on time after applying for online loans, there will be no impact. If users fail to repay on time after applying for online loans, it will have an impact on individuals. Overdue records will be uploaded to the credit information center, and personal credit information will become bad.

Users must exercise restraint in borrowing money through online lending platforms, and don't borrow too much to prevent themselves from being unable to repay on time. Because the interest rate of online lending platform is relatively high.

The amount of online loans is generally not very high, and the amount of most people is between several thousand yuan. However, when users borrow more on a single platform, the loan amount will be increased later.

If the bad records are in the credit investigation, the history of overdue bad records cannot be eliminated. The only way is to pay off the money. Banks can only check the credit records in the past five years, and it will take at least five years to eliminate them.

After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge, mortgage, guarantee or credit line of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

How to eliminate your registered online loan?

If the user only registered an online loan account, but did not apply for a loan, then the online loan account can be directly cancelled. However, after a user registers an online loan account and applies for a loan, these records cannot be eliminated after the loan record is collected, and even if the loan record of the loan account is cancelled, it will still remain in the credit record. Since normal loan records are part of personal credit information, users will not erase these records and will not have any negative impact.

The user cancelled the online loan account. Some online loan accounts can be re-registered after cancellation, and some accounts cannot be cancelled again. Online loan accounts and online loan records themselves will not have an impact on personal credit information, and users do not need to deal with these extra. Unless there are bad credit records, such as overdue records and compensation records, users need to eliminate these records.

After the online loan account is cancelled, the lending institution will not save the relevant information of the user, so the record of applying for a loan in this institution will also be deleted.

How to cancel or cancel the information on the loan software?

1. First, open your mobile phone, enter the loan application software and log in. Click the portrait icon in the upper left corner to enter the personal center.

2. On the Personal Center page, enter more settings.

3. Then, on the More Settings page, find and click the logout service option.

4. Then, in the service cancellation page that opens, check the cancellation statement and click Apply for cancellation.

5. Enter the cancellation details prompt page, check the services and rights that will be abandoned, and click Next.

6. Finally, you can successfully apply for cancellation of service after completing SMS verification.