Save credit information.
201818129 October, the borrowers' information of the first batch of peer-to-peer lending platforms that maliciously evaded debts was incorporated into the central bank's credit information system, and they were punished for their dishonesty, involving a total overdue amount of nearly 200 million yuan.
Personal credit report mainly includes the following information of consumers:
1, personal basic identity information (name, date of birth, address, telephone number, work unit, etc. )
2. Credit records (repayment records of credit cards and consumer credit)
3. Public records (communication payment, public utility payment, court judgment record, etc.). )
4. Inquiry records (all inquiry records of the respondents within 6 months)
Extended data
The behavior of blacklist of credit information at the meeting
1, three times in a row, six times in total.
If the repayment is overdue for six times in three consecutive months or two years. It shows that the bank has been included in the bad credit list, and the loan application within 3-7 years will be affected. Banks may raise the loan interest rate, reduce the loan amount or even reject the loan application directly.
2. Encounter bad debts
If the accounts cannot be recovered after being urged and remain sluggish for a long time, they may become bad debts. If your credit card is not used for a long time, both the debt and balance will become "bad debts". There is 1 "bad debt" =50 "overdue" in the credit record. It goes without saying that the general bank will reply to the application directly when it sees the word "bad debt".
3. Institutions frequently inquire about credit reporting.
Frequently inquired by the institution, the credit report will be judged by the bank that there is no urgent need for money, which leads to doubts about whether it can repay on time and then refuses the credit application. Therefore, before applying for a loan, don't apply to multiple institutions at the same time aimlessly. It is very important to choose a loan product that suits you.
4. Unpaid water, electricity and gas bills
Unpaid water, electricity and gas charges will also be included in the credit record, which will affect your loan and credit card application. It is these details that affect you, so be careful.
5. The "Sleep" card was not processed.
Whether you open an account or not, some specific credit cards will generate annual fees. If you ignore this point, it will be overdue and produce a bad record. As long as you apply for a credit card, all these will be shown in your credit record.
6. The insurance premium is unpaid.
If the three-month insurance fails to pay the fee within the time limit, it may not only lead to the suspension of the validity of the policy, but also be submitted by the insurance company. In addition, social security and provident fund deposit records are also important data for evaluating personal credit information.
7. Because the guarantee is jointly and severally liable.
If you guarantee a loan for others, but the guarantor has no money to repay and runs away, as a guarantor, he will bear joint liability, which will become a stain on the credit history.
Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry
Baidu Encyclopedia-Personal Credit Survey
Do I need to save credit information? Every loan will be credited at the last time.
Province Bai is a credit card balance compensation service launched by Samoyed, which collects credit information at meetings. Because the province is only a third-party financial platform, it actually pays back the money to the bank it cooperates with, so every time you borrow a sum of money, you will collect the last credit information.
After applying for registration, there will be a basic quota, and you can borrow money directly with this quota. The better the credit, the higher the quota and the lower the interest rate. The loan term can be divided into three months, six months and 12 months. The specific choice still depends on your personal repayment ability. Here, I want to remind you that if you choose the loan term, you must repay it according to this time, and don't overdue it. Once overdue, your overdue behavior will be uploaded to the credit information system of China People's Bank.
The consequences of overdue payment are very serious, mainly in two aspects:
1. late payment fee: if the payment is overdue, a late payment fee of 5% of the current unpaid principal will be charged, and a penalty interest of 0.65438+ 0% of the current unpaid principal will be added daily from the last repayment date;
2. Impact on personal credit: The overdue records will be submitted by the bank to the credit information system of the People's Bank of China, which will affect your personal credit records and make you an uninvited guest of the bank, which will hinder future applications for credit cards, consumer loans and even mortgage loans.
In the end, I couldn't get credit information. I only borrowed money, but I didn't receive any credit when it was overdue?
At present, many borrowers are worried that their credit information will affect other loans in the later period at the loan meeting. Some users even said that they could not buy a house at a later stage because of the credit information on the loan. Therefore, many people will know whether the loan slot they choose is credit information before lending. Then, as a popular province for credit card repayment products, will it be a credit information meeting?
Credit information was collected at the meeting. At present, the cooperative investment institutions in the province are banks and licensed formal financial platforms, so users will receive credit information after borrowing from the province. However, although the province has received credit information, it does not mean that it will have a bad influence.
In fact, many users now have some misunderstandings about credit reporting. They think that the credit report is a record of non-performing loans, but it is not. Credit information only records the personal loans of users, and credit information records are also divided into good credit information records and bad credit information records. Only bad credit records will have a bad influence on users.
After we borrow from the province, we will have corresponding loan records, but the record of borrowing from the province is not a bad loan record. As long as users repay the loans in the province on time during the use period, there will be no adverse effects. However, if the user has overdue repayment in the process of using the province, the overdue payment will be recorded in the personal credit report, and when the user applies for another loan later, the loan will be rejected because of the overdue record.
To sum up, no matter whether there is overdue repayment in the province, as long as there is a loan fact, the credit will be reported, but in general, as long as the user is not overdue in the province, the credit will not be affected, so the user can use the province with confidence.
Save it. Do you want credit information?
Province Bai is a relatively reliable loan platform, which has been launched for a long time and there are many successful cases. According to user feedback, the application pass rate is over 85%. At present, it cannot be used for credit investigation. As long as you can provide a credit card, you can apply. At present, the open loan amount is between 1 10,000 yuan and 20,000 yuan, which is a very good choice for users who have difficulties in repaying their credit cards on time. Generally, after submitting the loan application 10 minutes, the customer service of the platform will call the user's contact number to verify the corresponding application information. After the call back, if the qualified users are satisfied, the loan will arrive soon. ?
If there is a capital turnover demand, it is recommended that you use money to spend. Money Flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Money Flower, renamed as "Money Flower" in June of 20 18). The big brand is trustworthy and the interest rate is low. Money is spent-full easy loan, the maximum loan amount is 200 thousand (click on the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions of Fuguihua: The application conditions of Fuguihua are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you have money to spend, you refuse to provide college students with installment loans. If you are a college student, please give up your application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: The application only supports debit cards and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and I can't apply with temporary id card, expired ID card or first-generation ID card. Online lending is risky, so choose carefully!