1. Lending treasure is a loan product, which will be reported to the credit information system in due course according to the relevant regulations of the People's Bank of China.

2. Lending treasure belongs to Ant Financial Service, and accessing personal credit information is not only driven by brand influence, but also to evaluate users' personal credit status.

3. Borrowing credit information is only an objective and true use record feedback, without any subjective color.

4. Normal use of loans, borrowing on demand, repayment on time, no bad records such as overdue, credit reporting can be said to be beneficial, which is conducive to personal credit accumulation.

Second, what is the impact of borrowing credit information?

In normal use, it will not have a negative impact on credit information. If it is overdue, the impact of credit investigation on overdue records will be the same as that of other loans overdue, as shown in the following figure:

1, system risk control, affecting the continued use of loans, and even the normal use of flower buds. After all, loans and flowers belong to the same family. Once overdue, it will be reflected in Alipay's sesame credit score, which will affect the credit activities related to sesame score.

2. The overdue credit records must be kept for five years before they can be updated and eliminated. These five years may lead to various credit loans and even mortgages. Although there is a house mortgage, the premise is that personal credit is good and repayment can be made on time. This is also the reason why you must submit a personal credit report when applying for a mortgage.