Taobao and Jiebai are consumer loans, while Sesame Credit and People's Bank of China enjoy data. If the repayment on time will not cause overdue behavior, it will not affect the credit investigation. In the final analysis, no matter what kind of credit, official or private, as long as the money is due, there is no need to worry about affecting credit.
Personal credit report is a report reflecting personal credit records. Personal credit records (credit cards, loans) obtained by the People's Bank of China from commercial banks, including repayment information, are all collected in one report, which can be viewed in a unified way.
Personal credit information is now affecting your life more and more. Buying a house, handling credit cards, personal loans, social security, etc. Will be affected by personal credit records. With the improvement of the credit information system, credit records will become an inseparable part of life.