The loan bank will not tell your family about the credit information, but will also investigate your family income and so on. If you don't repay, the guarantor will take the risk for you, and he will evaluate your repayment ability, so this is all a good investigation in advance. These items are included in the form you fill in and need to be filled in.
Flash silver glutinous rice loans overdue 1000 yuan. Did you win the honor at the meeting? They have called my friends and family, and I can't pay them back for two months.
Overdue is bad information, and credit will be collected at the meeting.
The Regulations on the Administration of Credit Information Industry has corresponding provisions on this:
Article 16 The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject can explain the bad information.
Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free. When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it.
Extended data:
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Regulations on the Administration of Credit Information Industry and other relevant laws and regulations:
Article 28? Credit information sharing and exchange platform is the infrastructure for collecting and integrating credit information scattered in judicial organs, administrative organs and other departments with public management functions. All regions should attach great importance to the construction of local credit information sharing and exchange platform.
The CPC Central Committee and the State Council attached great importance to the development of credit information industry and put forward clear requirements for the construction of credit information legal system. In order to standardize credit reporting activities, protect the legitimate rights and interests of parties, guide and promote the healthy development of credit reporting industry, and promote the construction of social credit system.
Article 29? Credit information agencies can collect enterprise information through information subjects, corporate counterparties, industry associations, information disclosed by relevant government departments according to law, and judgments and rulings published by people's courts according to law.
Ministry of Justice of the People's Republic of China-Regulations on the Administration of Credit Information Industry
Just two days after the bank loan, I started calling home?
You applied for a loan at the bank, and just two days later, you began to call home, just to make you pay back quickly. Since it is a bank loan, it must be repaid on time to avoid loans overdue.
Loans overdue, just return it as soon as possible.
I think it's necessary to teach you a lesson about loans overdue. In fact, there are short-term and long-term differences in loans overdue, and different overdue periods have different consequences. But most people have a lot of misunderstandings about loans overdue, and they will regret it when it has serious consequences!
Short-term overdue loans and their consequences
Different financial institutions have different definitions of short-term overdue time. In view of short-term overdue, institutions generally do not take compulsory measures, but will remind them to collect repayment, and the consequences are:
1, high fines and liquidated damages
After loans overdue, in addition to interest and principal, you also need to pay a high penalty interest and liquidated damages.
2. Leave a personal credit stain
The overdue records will remain on the credit report, and even after repayment, the overdue records will be retained for 5 years. Overdue records will affect almost all the subsequent financial activities of the overdue person.
3. Receive text messages and collection calls.
Lending institutions will continuously send short messages and telephone calls to collect overdue funds, inform borrowers of the serious consequences of overdue, and order borrowers to return overdue principal and interest within a time limit.
Long-term overdue loans and their consequences
Generally speaking, overdue for more than 90 days will be regarded as malicious overdue by lending institutions. Banks can sue for recovery if they are maliciously overdue for more than 90 days, regardless of the amount. After the court's decision, the information of the person who has broken his promise (Lao Lai) will be announced to the public, limiting his high consumption and taking the high-speed rail.
With the supervision bureau becoming more and more strict, the online loan platform is becoming more and more standardized and strict. Now many online loans are receiving credit information, so the credit information record is a matter of great concern to all borrowers. Today, I will tell you some knowledge about online loan credit reporting, hoping to help you.
1. The handling of online loan credit records is very "humanized";
Compared with traditional banks, online credit information is much more humane, which means that you will be given a certain grace period for your unintentional overdue due to temporary negligence. However, if you default for a long time, it is easy to have the borrower's tainted record, which is also the key reminder in the credit information system, which is very serious for personal influence!
2. The retention period of bad credit record of bank loan default is 5 years.
According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident. Bad records will not be discovered by other banks after paying off the principal and interest and liquidated damages for more than 5 years. It is worth noting that the credit stain will remain until the loan is settled. So everyone must cherish their credit records.
3. The retention period of bad credit records of overdue credit cards is 2 years.
Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If the card is cancelled, the record will be kept for a long time. Therefore, it is recommended that credit card users continue to use their cards for two years after paying off their debts. During this period, they can maintain good credit and delete bad records from the credit information system by rolling records.
All three are based on short-term default. If the overdue information has been uploaded to the People's Bank for too long, pay off the debt and the system will automatically eliminate it after 5 years.
I just want to know that many lending institutions have called me. Is it related to my credit report? It's scary.
The loan industry also has a complete industrial chain, which is responsible for collecting information. Maybe one of them knows that you have a loan intention, and then sells it to a lending institution at the market price, and then one lending institution can't handle you, and then leaks your information to a second lending institution, and so on.
Small loan companies are not so magical, and credit reporting is not something that outsiders can casually check. Maybe you talked to someone about the loan, or maybe you clicked on an online loan website, which may make the loan company capture the shadow of your loan.