As a small online loan platform, Yingu Puhui does not have a credit reporting system for the central bank, so Yingu Puhui does not go to the central bank for credit reporting. However, in order to control borrowing risks, Yingu Puhui will require borrowers to submit their own credit reports when approving loans. After the borrower becomes overdue, Yingu Puhui will notify other online loan platforms of the overdue record, which will affect the borrower's application for new online loans.

Credit is wealth. In order to protect your personal credit, borrowers should develop good habits in their daily lives and avoid behaviors that will affect their personal credit:

(1) Overdue repayment. After applying for a loan, once the borrower fails to repay the loan in full and on time, it will have a negative impact on his or her personal credit.

(2) Illegal use of cards. If a cardholder is discovered by the bank to have engaged in illegal card usage such as cashing out the credit card, not only will the credit card be subject to risk control by the bank, the cardholder's personal credit will also be greatly affected.

(3) Overdue interest. When the loan interest rate increases, if the borrower still repays according to the original loan interest, the interest arrears will be overdue, which will have a negative impact on the borrower's personal credit score.

(4) There are too many credit inquiries. If you check your personal credit information frequently in a short period of time, it will also have a negative impact on your personal credit.

(5) Living expenses in arrears. Since the credit reporting system has expanded the scope of information collection, if citizens fail to pay water, electricity, gas, mobile phone and other living expenses in a timely manner, their personal credit will also be affected.