At present, Pratt & Whitney Express is not used for credit reporting, and the loan platform of Pratt & Whitney Express is not a financial institution, so it is not connected to the central bank's credit reporting system, and the credit reporting system does not use the data reported by Pratt & Whitney Express. However, although you don't go to the credit information system, you are afraid that their violent collection will seriously interfere with your life and work, so it is recommended to repay on time to avoid adverse effects on yourself. It doesn't matter if he contacts your family or something. If the court charges you or something, you don't have to believe it. Their legal department is full of lies, just asking you to pay back. Stay away from small loans and installment payments.