At present, the Trust Finance and Loan Association will provide PBOC with loan information overdue for more than 65,438+05 days. That is to say, fifteen days later in loans overdue, credit information was collected at the credit investigation meeting, leaving a stain on the borrower's credit investigation record.

The method of "getting rich by credit" loan to avoid credit investigation;

Since loans overdue 15 days, the credit information will be collected at the Xinhe Rich Loan Conference, so for friends who don't want to affect their personal credit information, the most important thing is to avoid loans overdue exceeding 15 days.

1. Get into the habit of saving money on weekdays and make a rough statistics of your daily consumption. Be sure to control the monthly consumption amount within a certain range to ensure that you can repay the arrears of the letter and rich loan on time.

2. If you forget to repay the loan on time, you must pay off the arrears in time after receiving the dunning call from the staff of Xinfufu Loan. Don't delay the time to prevent the overdue time from exceeding 15 days.

3. If your repayment ability is poor, it is suggested that you choose a repayment period of 6 months when applying for a loan to avoid credit reporting and rich loans. For friends who have already got the loan, you can contact the customer service staff of Xinfu Loan to try to extend the repayment time.

Credit investigation is an activity that national credit investigation agencies establish credit files for individuals, collect and objectively record their credit information according to law, and provide credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".

Second, is Xinhe's cash loan reliable?

Never borrow a hole to kill you.

Third, is Xinhe Rich Loan reliable?

Which is the best lending platform? It is the easiest platform to borrow: it is best to choose a credit loan from a licensed institution. After all, the institutions that can win the financial license issued by the central bank have certain strength, and there is basically no money to lend. The key is that there will be no routines and no arbitrary charges. Friends in need can look at the following loan platforms: 1, 360 IOUs: 360 financial credit loans are provided by licensed financial institutions, and loans can be made normally with low thresholds. /kloc-Borrowers aged 0/8 ~ 55 years or older can register in the real-name registration system with their mobile phone numbers, upload photos of valid ID cards, bind the bank cards to complete the authentication, and borrow after the quota is reached, with a maximum loan amount of 200,000 yuan and a maximum loan amount of 60 yuan. 2. Call for a good term loan: it is operated by a licensed financial company, and the credit loan does not need mortgage guarantee. Borrower 18~55 years old, with stable working income, can try to borrow money with sesame score above 600. Good credit. If you have provident fund and social security under your name, the better your qualifications, the faster you can get the loan. , just find a small sum of money, that is, the original Baidu Finance, the loan amount ranges from 5 million to 200,000, the annualized interest rate starts from 7.2%, 1 yuan 2 yuan Borrow 1 day interest, daily interest, unsecured, pure credit, full-time ID card bank card online application, the fastest approval in 30 seconds, 1 minute,. Du Xiaoman Finance has cooperated with hundreds of banks and licensed institutions in order to provide better services to everyone. Cooperative banks and licensed financial institutions mainly include: Agricultural Bank of China, Postal Savings Bank, China Everbright Bank, Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Bank of Guangzhou, China Post Consumer Finance and Yin Bei Consumer Finance. Everyone can borrow it with peace of mind. 3.JD.COM Gold Bar: Jingdong Financial Credit Loan, with the maximum amount of 200,000 yuan, the longest installment 12 months, age 18-59 years old, real-name registration system account, JD.COM, with shopping habits in JD.COM Mall. Borrowers with high credit scores can try to apply, and the system will make a comprehensive evaluation with reference to the borrower's consumption behavior, credit status and repayment ability. 4. Zhongan Small Loan: a product of Chongqing Zhongan Co., Ltd., with fast loan and transparent interest rate, with a limit of 3,000 yuan and a maximum of 200,000 yuan, and a service life of 3- 12. Chinese mainland residents aged 22-55 can register with real-name registration system mobile phone number, then submit their basic personal information, upload their ID cards and bind their debit cards. 5. White cat loan: a pure credit loan under the system small loan, which can be directly applied online, with low interest rate and quick review. It can provide a loan amount of 5 million to 200,000, and the longest loan period can reach 12 months. The borrower is required to be at least 22 to 55 years old, with good credit and stable repayment ability, and is temporarily closed to Xinjiang, Ningxia, Inner Mongolia and other regions. 6. Doudou Money: a consumer loan product under WeChat Jinke, with a quota of 30,000-50,000 yuan, which is divided into 3-24 months. The loan application materials are relatively simple. Borrowers aged 22-50 only need to provide ID card, bank card, mobile phone number password/verification code to borrow money, and the system automatically approves credit extension, which is fast in lending and low in interest rate. 7. Didi Loan: The pure credit loan launched by Didi Finance is reviewed by the system. As long as it passes smoothly, it can be released on the same day. The next one is no more than 200,000 yuan, and the service period is up to 36 months. Applicants must be Chinese mainland residents aged 22-40 and be able to submit personal information such as ID card and bank card. 8. An Yihua: online loan product for immediate consumption finance, with a quota of 1 1,000 ~ 200,000 yuan, a minimum daily interest rate of 0.02% and a maximum loan term of 12 months. Chinese mainland residents aged 22-40 can apply with their mobile phone numbers, ID cards and bank cards, but they are not applicable to Xinjiang, Ningde, Hong Kong, Macao and Taiwan, Gansu, Qinghai and Ningxia.

Fourth, is the credit rich loan reliable?

We can analyze whether the letter and rich loan is reliable from the following aspects:

1. platform background: xinerfu is a financial technology company listed on the NYSE and has certain economic strength.

2. Bank depository: Bank of Shanghai has been launched as a depository bank, but it is not in the white list of depository banks.

3. Lending products: The introduction of small loans in New Er Fu is conducive to diversifying risks.

4. Loan interest rate: the daily interest rate of cash loan of Xinfufu is 0.06%, and other fees will be charged, with high interest.

5. Collection: The collection in New Er Fu is more formal now, basically in the form of text messages and telephone calls, and there will be no violent collection.