1. Does overdue small loans affect credit reporting?

Influence. If the micro-loan has been docked with the People's Bank of China for credit reporting, or the formal financial institutions lend money, then its loan records and overdue records will be reported for credit reporting. However, if there is no credit reporting for microfinance, there will be no credit reporting in loans overdue. Generally speaking, small loans need to be authorized to inquire about credit information when applying, so once the application is successful, there will be overdue records to inquire about credit information.

There is no need for authorization to inquire about credit information when applying, indicating that the loan review mainly refers to big data. At this time, loans overdue has entered, and overdue records will not be recorded. Users must pay off overdue debts as soon as possible, regardless of whether the overdue records are finally submitted to the credit bureau, because overdue will bring a series of negative effects. Even if it does not affect personal credit information, it is not good for users to affect big data.

In addition, after the micro-loan is overdue, the user pays off the overdue debts, and whether it can be used later depends on the audit results of the page. Some small loans cannot be reapplied as long as they are overdue.

Second, what qualifications should I apply for credit?

Credit mainly depends on the following qualifications: whether the lender has a stable job or sufficient repayment ability; Educational background of the lender; Whether the lender has other assets; Whether the lender's credit is good; Whether the lender's debt ratio is reasonable; Whether the lender has long-term loans, etc. ; The age of the lender. Credit is mainly to review the above credit qualifications. Once one of them does not meet the requirements, the user will not be able to pass the loan review.

Of course, most of the credit application threshold is low, that is, the user's age meets the requirements, the credit information is good, and there is a certain repayment ability, then there is a certain probability of passing the audit. Credit with higher threshold will examine the income, education and personal assets of users, so it has higher requirements for users.

If users want to get loan funds quickly, they can try to apply for credit. You can apply for credit through online channels. Once the loan is approved, the loan funds can be obtained quickly, and even the money can be borrowed on the day of application at the earliest.

Overdue credit will affect credit investigation. The lender has a stable job and can apply for credit if the debt ratio meets the requirements. To apply for credit, you must submit a loan application in writing, prepare materials that can prove that the applicant meets the loan conditions, and pass the examination of the lending institution. Credit is not only good for enterprises, but also good for the daily life of natural persons, which can alleviate the economic pressure of lenders.