Borrowing revolving loan itself does not affect credit reporting, but the premise is that users repay on time every time and there is no overdue record. However, some users are worried that their loan amount is 6.5438+10,000 yuan, and they borrowed it twice in a week, so will both records be recorded in the credit report? Under normal circumstances, when checking the loan amount, the loan will prompt you to agree to authorize the inquiry and submit a credit report, and at the same time grant the user a certain amount.

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Applying for ant borrowing mainly depends on the borrower's sesame credit. All loan and repayment information will be recorded in detail. If the repayment is overdue or not, it will result in liquidated damages, which will affect Sesame's credit score and even be included in the central bank's credit report. It will be more difficult to apply for a loan in the future. Similar to ant borrowing, there are micro-loans that only inquire about the amount and personal credit report.

Borrowing and uploading credit information is uploaded according to the requirements of the credit information management regulations of the People's Bank of China, and only the historical usage records of users are truthfully fed back. Regarding the issue of bank loans, whether it will actually affect personal credit information and bank loans mainly depends on the evaluation criteria of lending banks.

1. According to regulatory requirements, borrowers need to report credit information to the People's Bank of China. Every time a loan is borrowed, the user needs to actively check the "personal credit report inquiry authorization" to agree and authorize the lender to report to the credit information system.

2. Using loans will help to accumulate credit. Under normal circumstances, it will not adversely affect the credit investigation of the People's Bank of China. In order to avoid the influence of loans overdue on your personal credit information, it is recommended to repay the loan on time.

The contents of the report include personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. Credit transaction information, including credit card information, loan information and other credit information; Other information, such as personal provident fund and pension information. If I owe taxes, civil judgments, enforcement, administrative penalties or telecom arrears, I will show them in the report. This means that in the future, arrears in water, electricity, gas or fixed-line telephone charges, as well as providing guarantees to third parties, while third parties fail to repay loans on time, will also be included in bad credit records.