No.

The most accurate credit report is based on bank credit report, because this is the bank’s authoritative credit report. If you are overdue or untrustworthy, you will be listed as a defaulter, which will affect your normal consumption, travel, and Buying a house or a car will have an impact.

Because the big data report is an information report issued by private institutions, it serves a reference function in most cases. Overdue breach of trust mainly affects the review and credit granting of other online loan platforms. The report also reflects the user Risk situations such as risk behaviors, lending risks, overdue trustworthiness, and abnormal application records under the related information provide users with a reference.