Seven-day loan is illegal, and generally disappears from 3 15. Disadvantages of a seven-day loan: 1: This interest rate has already exceeded the legal limit. 2. Although it is not protected by law, it is normal to be kept at home if you can't afford it. After all, these are not formal loans. 3. According to feedback from some online loan users, some illegal small loans will make fancy collection for debtors, not only sending text messages and making phone calls crazily, but also bursting the address book to let friends and relatives around them know their online loan arrears. These are illegal. If you meet them, remember to call the police, file a case, and safeguard your legitimate rights and interests. However, if you owe money, you must pay it back. Although none of these will be collected, some of them may have big data. If your big data is spent or hacked, it will affect future loans.

: how to deal with people who have broken their promises in the credit report?

Under normal circumstances, after the parties have fulfilled the court's judgment, the court shall remove the information of the parties from the list of people who have been executed for dishonesty. In practice, it is often encountered that the court deletes the information of the parties from the list of the court system, but the records in the credit information system of the People's Bank of China are not deleted, which still affects the normal lending behavior of the parties.

If the court has deleted the information of the list of people who have been executed for breach of trust, and there are still relevant records in the credit report, it may apply to the credit management department of the local branch of the People's Bank of China for objection.

The process of applying for cancellation of the information of the untrustworthy executor in the credit report through the credit objection of China People's Bank;

Individuals apply for objections → branches of the People's Bank of China send objection information to the Credit Information Center → Credit Information Center completes objection confirmation within 4 days → internal verification of objections within 4 days → no problems found are handed over to the Supreme Court for verification, and the court conducts cross-regional, cross-institutional and cross-level verification.

In this link, due to the lack of clear court verification and reply time and lack of legal constraints, the reconciliation process has been delayed and overdue in actual handling.

At present, the branches of the People's Bank of China that accept objections can only feed back the objection information of the untrustworthy executors through the credit information objection handling subsystem, and cannot directly and effectively communicate with the court, and have no right to view and supervise the progress, and the management means are absent.

Why is it so difficult to cancel the information of the untrustworthy executor in the credit report?

The information data of the person subjected to execution is submitted manually by the court, which is slow to update and the data quality is not high, resulting in an increase in the number of objections. At present, the information publicity system of the people who have been executed in breach of trust of the Supreme Court has not been interfaced with the credit information center, and it cannot be submitted directly from the data source department through the interface program. So it is impossible to update data information in real time.

As public bad information, the information provider has no obligation to inform, and there are false reports, so the information subject can't know it at the first time, which increases the number of objection handling. Article 15 of the Regulations on the Administration of Credit Information Industry stipulates that "an information provider shall inform the information subject himself in advance when providing personal bad information to a credit information agency. However, bad information disclosed in accordance with laws and administrative regulations is excluded. " Therefore, when the information of the person subject to breach of trust is submitted to the credit information center, the information subject can't know the collection of the untrustworthy information at the first time.

At present, the court system does not designate a special person to deal with the objection of the person who has broken the trust, which leads to the inactive acceptance and handling, and delays the reconciliation process. Relevant staff are not familiar with the requirements and processes of objection handling, and the objection handling is not standardized. After the execution of the court's case of dishonesty, they only blocked the information of the untrustworthy person on the website of "National Court Executed Person Information Inquiry", and omitted the relevant untrustworthy information on the website of "National Court Executed Person Information Publication Inquiry Platform", while the credit report showed the relevant untrustworthy data on the untrustworthy person platform, which made it impossible to update the untrustworthy information in time.