Related knowledge supplement:
1. Personal credit report.
1. Personal basic information, including name, gender, age, work unit, contact address and other information used to identify individuals.
2. Bank credit will list each credit card and loan business in detail, specifically showing the past debt history of the party being credited.
3. Credit institutions and credit banks often analyze consumers' behaviors and consumption preferences from this information, and judge their future repayment ability from their past repayment willingness. This information is very important.
4. Non-bank credit, which records the payment of consumers in terms of communication, water, electricity, coal, etc., such as whether the use status of mobile phones is normal, whether public utilities are in arrears, etc.
5. Objection record, when the respondent thinks that the contents reflected in the report are controversial, it can be reflected in this part by adding statements. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit reporting agencies to correct and update information.
6. Query record is a summary of all the queried records of an individual in the last 6 months. If there are too many inquiry records, and there is no record of issuing cards or lending during this period, the bank will feel that the qualifications of the parties being investigated are not good, which will affect the handling of loan applications and credit cards in the future.
Second, how long does it usually take for a credit report?
It depends on the specific situation. Generally, there are the following situations:
1. General online lending institutions need to submit relevant application materials to access the central bank's credit information system. The central bank will send relevant personnel to conduct training, guidance and acceptance, and pay a certain maintenance fee every year. Therefore, the general online lending institutions are not qualified and cannot afford it. If the online loan without credit information is overdue, don't panic, just there will be liquidated damages and telephone collection, and the funds will be returned in time.
2. Online loan credit reporting.
At present, most online lending institutions in the market will collect credit information at the meeting. This year, some unlicensed small loan companies have retired, and the future trend is also biased towards credit reporting. Online lending institutions rarely have time tolerance, which is the grace period. As long as it is overdue, the repayment will be overdue the next day, and the record will be truthfully uploaded to the central bank center. Therefore, remember not to underestimate the online loan at the meeting, otherwise it will have a great impact on future business.
3. Time tolerance, commonly known as grace period.
Every bank or online loan company has its own regulations, which will give cardholders/borrowers a buffer period of about 3-5 days. If they repay in time within these days, it shall be deemed that the cardholder repays on time. Some online lending institutions will also have it. Before applying, you must know something about the lending institution. The simplest thing is to consult customer service to avoid adverse consequences.
Third, the loan process.
1. Loan application. Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.
2. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
3. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
4. Sign the contract. The bank signs a loan contract with the borrower.
5. Loan issuance. The bank issues loans on schedule according to the loan contract.
6. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
7. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend the loan.