Required.

Credit records are required for loans from small loan companies, and applicants are required to provide a personal credit report. However, small loan companies do not have high requirements for personal credit records. If the applicant has one or two Overdue records will basically not affect the application for loan business.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.