If you don’t get a loan from Zhongquan Commercial Factoring Co., Ltd., you will still get a credit report. If the loan is overdue, a credit report will be filed. Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises. The third-party agency collects and objectively records their credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law. It is a professional credit granting The institution provides a platform for sharing credit information.