The online loan has been repaid, and the credit report shows that it has not been settled? There are several situations.

At present, there are many online loans to collect credit, which will have an impact on our buying a house and a car. It is best to settle the online loan first, and then the success rate will be higher. But many friends' online loans have not been settled. What is going on? Let's analyze it.

The online loan has been repaid, and the credit report shows that it has not been settled?

We know that the normal credit process is that the lending institution reports the credit first, and the credit center will update it. Therefore, there are three situations in which the credit information is not updated after the online loan is completed.

1. The online lending platform failed to report to the credit information system in time after the loan was repaid. 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.

2. After the online loan platform was reported, the credit information center was not updated 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.

In either case, it is best to let the online loan platform issue a loan settlement certificate after the online loan is settled. If the credit information is not updated after the loan is settled, you can apply to the credit center for objection, provide the loan settlement certificate, and request to modify the credit information. After receiving the application, the Credit Information Center will give feedback to the online lending platform for investigation and verification. After confirmation, the credit information will be modified within 20 days, and then the credit information can be updated.

The above is the introduction of "the online loan has been repaid, and the credit report shows that it has not been settled". I hope it will help everyone. It should be noted that if an online loan has overdue records and is reported to the credit information system, only the repayment status of the loan will be updated after settlement, and the overdue records will not disappear, and will be eliminated after 5 years from the date of repayment settlement.