There is really no such thing as credit reporting, but now these industries are immature, and there is nothing you can do if you don't pay him back. But harassing family members is certain.
2. Can I get a loan with overdue records? I wouldn't thank you if I didn't have a credit report.
The loan processing of (China Merchants Bank) will be affected by credit reporting. You can try to apply, and whether it passes or not is subject to the results of system audit. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you start a new business, the relevant departments will generally give priority.
3. Can I get a loan with overdue records? I wouldn't thank you if I didn't have a credit report.
Loan applications with overdue records are likely to be rejected, whether it is bank loans or online loans. If the loan previously applied for is a credit report, there will be overdue records in the credit report of the central bank. Now when banks handle bank loans or credit cards, they will check the applicant's credit report. If they find that they have overdue bad records, they are likely to be rejected. Even if the applied loan has no credit, such as online loan, such loan records will remain in the online loan big data.
The quality of big data will not only affect bank loans, but also affect online loans, especially when online loans are overdue and they become black households. Basically, once they apply, they will be rejected once. If you don't know your online loan situation, you can get the online loan big data report from the official WeChat account Aries data, which contains detailed data such as online loan application records, overdue details of online loans, untrustworthy information, debt details, and online loan blacklists.
If it is found that online loan big data has been hacked, it means that there is a bad record of overdue or recent frequent loan applications. If you want to get big data back to normal, it is suggested that there should be no more loan application operations within six months.
4. What are the platforms for overdue borrowing?
"The only platform that can make overdue loans is a small loan platform that has not been approved by the China Banking Regulatory Commission and has no financial license, because most of these small loan platforms can pay directly as long as they provide their ID numbers or mobile phone numbers. There is no need for review, and the application threshold is extremely low. Naturally, it will not be affected by overdue.