Today, Internet lending has become the quickest way for many to address sudden financial needs. But when applying for Internet loans, we need to consider carefully the protection of personal information. Sometimes our application for a loan on the Internet is rejected. In such cases, we hope that our application records will no longer exist so as not to have an impact on future loans. So, how do we clear the online loan application record? The article will be analysed and answered from multiple angles。

How to clear the online loan application record

I. KNOWING THE RECORD OF APPLICATIONS FOR INSPECTION

First, we need to understand how the web-based lending platform records our application history. Typically, the network lending company records each application information in the system and checks it through a letter-requirer. Banks and credit agencies will look at this information during the subsequent loan process to determine your credit and repayment capacity. Therefore, we need to be cautious about online lending applications and ensure that our information is true。

II. De-recording of linked web-based lending platforms

If an application for an Internet loan is rejected, we can apply to the web-based loan platform to delete the record. As a general rule, Internet lending companies will place persons in charge of this work. We first need to contact the web-based lending platform to apply to them and to indicate the specific records that need to be cleared. The web-based lending platform requests information such as ID numbers, cell phone numbers, application dates, etc., so that they can search the records. Once it has been determined that the records will be cleared, we also need to require the web-based lending platform to issue supporting documents to ensure that the records are cleared。

III. De-recording of letters of communication

In addition to the network lending platform, we can also request the deletion of the online loan application records through the letter-in-mail agency. Trust agencies are responsible for recording and searching personal credit information, and they are a source of credit information for banks and network lending companies. If our online loan application is rejected, the record appears in the letter-in-demand report. In such a case, we can ask the lettering agency to delete the record. We need to provide relevant information, such as the date of application, the amount of application, the name of the Internet lending platform, etc., to the letter caller. It is worth noting that the letter-receiving body has the right to refuse to remove this information, and we need to fully understand the rules and procedures for clearing records。

Waiting for automatic removal

Finally, if we do not have to rush to clear the web-based loan application records, we can also wait for them to be automatically cleared. Under the rules, the online loan application record will normally automatically expire after two years. That is to say, as long as we do not re-apply for an Internet loan within two years, these records are automatically deleted from the letter-in-writing report。