Loans may affect credit information. As long as the borrower is a financial institution applying for credit information, such as Alipay, Bank and Instant Finance. , the borrower's loan and repayment records will be uploaded to the personal credit information system regularly. If there are overdue records, personal credit information will be affected, and normal use and timely repayment will not have any negative impact.

If the object of borrowing money is a small institution that does not receive credit information, it will not affect credit information. Relatively speaking, most small lending institutions that fail to receive credit information are informal institutions such as usury and should be avoided as much as possible.

If customers apply for more loans, it will have a certain impact on credit information.

Because the credit investigation will inevitably show too many loan records, although this is not a bad record of overdue payment. However, if you apply for credit business at a later stage, banks (lending institutions and platforms) will find that there are too many recent loan records on the customer's credit information, and they will worry that the customer's repayment ability is insufficient, and may refuse to approve the loan because the customer has borrowed many times and has too much debt.

Moreover, when banks (lending institutions and platforms) apply for loans, they usually need to inquire about credit information in the name of "loan approval", so if there are too many loans, they will leave too many inquiry records in the name of "loan approval", and if there are too many such "hard" inquiry records, it is easy to get "flower" credit information.

Therefore, customers are advised not to apply for loans frequently, but to handle them according to actual needs. For example, there are many loan lines that can be recycled during the credit period, and the lines can be restored after the payment is completed, and customers can borrow again. Therefore, it is enough for customers to maintain good credit and apply for several loans.

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Credit information is a reflection of loan information, and all loans (formal) will be credit information.

The basic characteristics of the crime of "routine loan";

The first is to create the illusion of private lending. The defendant solicited business in the name of a small loan company, signed a loan contract with the victim, created the illusion of private lending, and defrauded the victim to sign a "false loan contract", "yin-yang contract" and a real estate mortgage contract in various names such as "liquidated damages" and "deposit", which was obviously unfavorable to the victim.

The second is to create traces of running water in the bank and deliberately create the illusion that the victim has obtained all the money borrowed from the contract.

The third is to unilaterally and arbitrarily determine that the victim has breached the contract and ask the victim to repay the "inflated loan" immediately.

The fourth is to maliciously raise the loan amount. When the victim is unable to pay, the defendant introduces other fake "small loan companies" or individuals, or "plays" other companies to sign new "false loan contracts" with the victim, so as to "balance the accounts" and further increase the loan amount.

Fifth, to "collect debts" by means of carrot and stick, or to mention false litigation, so as to seize the property of the victim or his close relatives through a successful judgment.