1. Update delay: Sometimes banks or financial institutions may need some time to update the information in the credit report. Therefore, even if you have paid off the loan, it may take some time to be reflected in the credit report.
2. Reporting cycle: Credit reports usually keep certain historical records to show the borrowing and repayment in the past few years. Even if the account is closed, relevant information may remain in the report for a period of time.
3. Delayed reporting: Sometimes loan companies or financial institutions may delay sending repayment information to credit reporting agencies. This may cause you to repay the loan, but it still shows the outstanding situation on the credit report.
Summary: Although you have paid off the arrears of the online loan account and closed the account, the information of the account may still be displayed on the credit report. This may be caused by update delay, reporting cycle or reporting delay. It is recommended that you check the credit report regularly to ensure the accuracy of the records and contact the corresponding financial institutions to solve any possible mistakes.