How long can I update my credit report after the loan is paid off?

Generally speaking, after the loan is paid off, the record will be updated in the credit information about one month. Usually, within one month after the loan is settled, the updated records will be displayed in the credit report. If you pay off your debts in August, the borrowing bank will submit your loan settlement information to the Credit Information Center of China People's Bank around September 10, and the Credit Information Center will upload the information to your personal credit report around September 15.

First, the credit renewal time for paying off small loans.

Generally, it is about 1 month. Because major banks and financial institutions report credit information at different times, sometimes once a month, sometimes several times a month, if your data card is at the reporting point, it may not be reported for the time being. Moreover, after the financial institutions report the data, it will take time for the central bank's credit information center to process it, so it will take some time for it to be finally displayed. In short, it takes about 3~ 1 month from the time when all the small loans are paid off to the time when the credit information is updated, and sometimes it can be displayed as soon as possible.

Second, the credit is not updated:

1, contact the bank. You can directly go to the counter to apply for printing settlement vouchers and related materials, or you can call the phone or mobile app to submit the application. After the bank prints it, it will be stamped and mailed, which usually takes about a week.

2. The bank's settlement certificate needs to be stamped by the bank, and it must be fresh and cannot be copied. Moreover, the micro-loans under its name can only be applied after they are all settled, otherwise they will not be issued.

Credit maintenance method:

1. When the important information of the lender or credit card holder changes, the bank information should be updated in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account. If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record.

3. At this time, it is necessary to continue to maintain the long-term benign use of the card, so that personal credit can return to "innocence" through good credit transactions in the future.