Wrong. Provident fund loans do pay attention to personal credit information to a certain extent when they are audited. However, the specific requirements of different banks and lending institutions may be different. Some lending institutions will make a more relaxed assessment of personal credit reports when reviewing provident fund loans. Pure provident fund loans generally do not review personal credit conditions, but it does not exclude loan auditors from checking the personal credit status of borrowers when they have doubts about their qualifications or the authenticity of loans. In practice, the credit review criteria for provident fund loans may include the following points:

1. The applicant's credit card or loan has never been overdue.

2, nearly 2 years, the applicant's loan (excluding student loans) for no more than 3 times.

3, apply for provident fund loans in the past six months, overdue times no more than two times.

4. The cumulative number of overdue repayments in the past five years shall not exceed 6 times.

5. If both husband and wife apply for loans at the same time, both parties must meet the above conditions. Therefore, provident fund loans look at credit reporting.