Now that you have confirmed that you have not borrowed money from this financial institution, it is possible that they sent the wrong message, so you can ignore it.
But it does not rule out that your identity information is leaked and used by others to borrow money.
How to query loan records
You can log on to the official website of the People's Bank of China to see what loan records are in the credit report, and you can find the loan information through the credit report. Some loans cannot be used for credit investigation. At this point, users can view their loan information through the loan APP or the hotline of the lending institution. In order to ensure that their identity is not stolen by others to apply for a loan, it is necessary for users to check the personal credit investigation report 1-2 times a year, and once they find any abnormal situation, they can complain in time.
General loan counter:
(1) Immediate financing
Consumer finance co., ltd. was granted a consumer finance company license immediately. It is a national financial institution approved by China Banking Regulatory Commission. In 20 15, its main loan app "immediate loan" was launched, which gained great attention in a short time.
(2) everyone's loan
Founded on 20 10, it has many loan products. When downloading mobile phone applications, you can choose small loans, with the maximum amount of 65438+ 10,000 yuan and the interest rate as low as 0.78%. The fastest approval time is 10 minute, which is a relatively fast loan product.
Gitzo
Formal consumer finance companies authorized by CBRC have many products, including cash loans, consumer loans, installment products and so on.
(4) Jiufu Puhui
Jiufu Group's online lending platform can manage funds and issue loans. Its micro-loan application is fast and convenient. If you have an ID card, the loan amount will be higher.
5] Ping An Pratt & Whitney
Ping An Pratt & Whitney and Ping An Bank both belong to Ping An Group, which is a company specializing in credit business. Compared with Ping An Bank's loan, it has lower application threshold, faster loan payment, more varieties, better service and slightly higher interest rate.
[6] Extreme loan
Alipay Sesame Sub-fast Micro-loan products, you can use Sesame Credit Sub-loan, 1 minute to apply, and the amount is 1000-5000 yuan, which can be received within 30 minutes at the earliest!
OPPO Reno coloros 1 1. 1
There is a Chongqing Xiaoman micro-loan approval on my credit report, but I didn't apply for it, but I don't know how it came out. what can I do?
Additional loans on the credit report shall be handled as follows:
First of all, if you are sure that you have never applied for an online loan, it may be that your personal information has been leaked and there is a risk that others will use their identity information to apply for a loan. See if your ID card and mobile phone number are risky, your online loan records, overdue details of online loans and detailed data of blacklists. If it is confirmed that someone is using a false identity to apply for an online loan, they must report the case to the police to avoid more serious property and credit losses.
Scope of credit investigation:
Regional credit investigation is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears.
At present, domestic credit reporting is one of the largest forms of institutions in the world, especially in countries that have established credit reporting institutions in recent years. In recent years, cross-border credit reports are rising rapidly. There are two main reasons for the rapid development of this kind of credit reporting: the internal reason is that some old credit reporting agencies in western countries have infiltrated other countries in various forms in order to expand their business.
The external reasons are mainly due to the acceleration of world economic integration, the mutual penetration and integration of national economies, the increasing number of transnational economic entities, and the increasing demand for transnational credit information services. In order to adapt to this development trend, there will inevitably be more and more cross-border credit information. However, due to the different political systems, legal systems and cultural backgrounds of different countries, the development of cross-border credit investigation is also restricted to some extent.
Why is there an extra loan on my credit report?
Is it true that a strange bank name appears in the credit report of the applied online loan or cash loan?
I don't have a loan. Why do I have loan information?
It may be because someone else filled in the wrong mobile phone number when applying for a loan, or once registered a loan account, and the system pushed the advertising information uniformly.
As long as you confirm that you have not applied for a loan, the loan message you received can be ignored directly. Users are not sure whether they have a loan, so it is best to call the customer service hotline for consultation.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, we can only keep good credit information and try to repay the credit card on time to avoid overdue.
Loan repayment method:
Matching principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;
Average capital repayment method: that is, the borrower repays the loan by installments (months) in the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
Paying interest on a monthly basis and repaying the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of10,000 or10,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.
Repay all loans in advance: that is, the borrower can repay all loan amounts in advance when applying to the bank. After repayment, the loan bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
Borrow and pay back: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.
At present, the competition between banks is very fierce. In order to gain more market share, each bank will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, fund demanders should "shop around" and choose low-interest banks for loans.