Now you apply for a loan on CreditEase Yirendai, which will not be recorded in the credit report, and Yirendai is not connected with the credit report system of China People's Bank, so there is no record of your borrowing on Yirendai, and you will not report the loss immediately after it is overdue. However, although a likable person can't get credit, he has the right to report it. If you are overdue for a long time, you can still send you credit.

: the impact of bad credit reports

1. First, poor credit information will affect users' application for bank credit cards.

If the user's credit information is not good, then when the user wants to apply for a bank credit card, the possibility of credit card approval is very low, which will affect the user's credit card application.

2. Second, poor credit information will affect users' use of loans to buy real estate or cars.

If the user's credit information is not good, then the user's loan application will also be affected. When users want to buy real estate or cars through loans, they are likely to be unable to buy real estate or cars because of credit problems.

Banks attach great importance to users' credit information when examining their loan applications. If the user's credit information is not good, it means that there is a problem with the user's repayment ability and willingness. If the bank issues loans to users, the loans will easily be overdue, which will bring risks to bank loans.

3. Third, poor credit information will affect users' use of transportation.

When a user's credit is bad, it is generally because the loan or credit card under his name is overdue. When users' loans or credit cards are overdue for a long time, financial institutions may sue users and impose high consumption restrictions on users.

4. Fourth, poor credit information will affect many employment opportunities of users.

Credit information is becoming more and more important in our daily life and work. Many enterprises will inquire about employees' credit information when recruiting employees. If the employee's credit information is too poor, then the enterprise will not hire the employee.