【网贷结清】这几件事你做了吗?

ccxd

作者：{口子爷}

网贷结清万事大吉？

你的网贷结清了，为什么还是做不了银行贷款？为什么征信报告还是一大本？很多朋友认为网贷还清了就万事大吉了，事实真的是这样吗？这几件事你做了吗？

确认状态

解除授权

规划调整



确认结清状态



一、获取结清证明

联系网贷平台，要求出具结清证明。这是贷款已还清的重要凭证，在后续可能涉及到的信用查询、财务审计等情况中会发挥作用。

仔细核对结清证明上的信息，包括个人信息（如姓名、身份证号）、贷款信息（如贷款金额、贷款期限、还款日期等）是否准确无误。

二、查询信用报告

从央行征信中心或其他合法征信机构获取个人信用报告。查看网贷账户的状态是否已更新为 “结清”。一般来说，正常还款结清的网贷记录会保留在征信报告中，但状态的正确更新很重要。

如果发现信用报告中的网贷结清状态未及时更新，要及时与网贷平台和征信机构沟通解决，避免对个人信用评估造成不良影响。

确认状态

解除授权

规划调整



解除相关授权

一、支付平台授权

如果在网贷过程中授权了支付宝、微信等支付平台进行还款操作或者资金代扣，需要登录相应支付平台，解除与网贷平台的授权关系。

这可以防止网贷平台在结清后仍有对支付账户的操作权限，保障资金安全。

二、手机 APP 授权

对于网贷 APP 申请的一些手机权限，如通讯录访问、短信读取等权限，在结清网贷后，应在手机设置中取消这些授权。

保护个人隐私信息，避免不必要的信息泄露风险。

确认状态

解除授权

规划调整



财务规划调整





财务规划调整





调整债务结构（如有其他债务）

注意事项





注意事项：

如果已经将网贷结清，一定要记得和网贷平台客服沟通进行销户，因为网贷分为循环贷款账户和非循环贷款账户，循环户如果不进行销户那么在征信报告上就会显示正常生效的状态，这也导致了在进行银行信用贷款时显示“综合评分不足”，从而导致失败。



我是大龍哥.人在深圳.全国可做

需要银行贷款或有债务方面疑问

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