The credit information of Yuanbao is collected in stages. According to official website's introduction to the loan repayment process, Yuanbao will check the borrower's qualification through credit reporting when borrowing. If the borrower delays repayment or defaults on repayment, Yuanbao will submit the delayed materials to the credit information system by stages. Yuanbao installment is an easy loan application platform, and you can make small loans as long as you have an ID card.