If a user sees the "Authorization for Reporting Personal Credit Information Queries" in the "Related Contracts and Product Descriptions" of a user, it means that the user has a credit report. The data will be uploaded on a monthly basis after the credit report has been accessed.

At present, formal lending platforms will access the credit system in accordance with the relevant provisions of the People's Bank of China. The consumer loan product access to personal credit will truthfully feedback the borrower's historical usage record, which will help financial institutions assess the borrower's personal credit status.

Under normal circumstances, if the borrower pays back the loan on time and maintains good usage habits, then the use of Chanting will not have a negative impact on personal credit, but will help to build up personal credit, which is conducive to the future application of home loans, car loans and other loans.

If you are in urgent need of money, you can consider borrowing from the government. The company's website is a great source of information about the company's products and services, and the company's website is a great source of information about the company's products and services, and the company's products and services. The interest rate of money flower transparent, big brand more reliable interest rate is low, daily interest rate as low as 0.02% (to have money flower APP borrowing page display shall prevail), borrow 10,000 yuan a day interest minimum 2 yuan, the maximum borrowing amount of 200,000, can meet the needs of most of the loan borrowers (click to enter the official have money flower to learn more).

This answer is provided by Kangbo Finance, which focuses on the interpretation of financial hotspots, financial knowledge and popularization of science and technology, adhering to professionalism, the pursuit of fun, and do the people understand the financial content, with a vivid and diverse way to convey the value of finance and economics. I hope this answer will help you.