Heart is committed to presenting technical professional microfinance financial information services, and presenting financial information services to users with microfinance needs at zero distance according to the landing method. At present, there are more than 130 business departments in Xinyou Loan Consulting, and the business processes are spread all over 70 big cities in China, and are growing.
If the user has a credit loan that is overdue, there will be credit risk. Users' personal credit information can be queried through the following two channels:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records.
2. Open the official website of China People's Credit Information Center, and submit an application for personal credit information record in the personal inquiry column with the mobile phone number matching the registered account number of the ID card. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.
How to maintain credit information:
1. When the lender changes important information, it needs to update the bank information in time. For example, if the cardholder's billing address and mobile phone number change, he needs to go to the bank to modify his address and mobile phone number in order to receive the credit card confirmation letter and statement on time, and he can receive the bank reminder message in time to ensure the security of the account.
2. If the lender doesn't have enough funds to repay all the bills and doesn't want to affect his credit history, he can contact the bank in time and choose the minimum repayment amount or handle the installment repayment.