Renren Loan is a folk credit institution, not an online lending platform. The role of non-governmental credit reporting agencies is to comprehensively evaluate users and then give credit evaluation. Private lending and online lending will refer to the credit evaluation of users by such folk credit institutions. The online loan platform is used to apply for online loans, and the two are completely different.
Private credit has not been connected to the central bank for the time being, so it belongs to an independent credit institution, and the officially recognized credit evaluation is still the user's central bank credit.
First, what is everyone's credit? Why do you always send me messages?
In this case, it should be that the user is overdue on a certain platform and has not handled it. Therefore, platform collection or third-party collection companies make dunning in the name of everyone's credit, so as to make users feel pressure that overdue cases have been reported on credit.
In essence, neither the credit company nor the credit reporting agency will directly collect the arrears after the loan, but will only be responsible for recording. Therefore, it can be judged that the other party is false if it involves the credit information of hundreds of banks, central banks or other credit companies. Of course, if the arrears are true and still have to be paid, it does not mean that they can not be paid.
It is suggested that users should maintain a good repayment attitude regardless of which platform products they apply for, and don't deliberately not return them. Otherwise, even if there is no record in the credit report, big data will be displayed on it, which will also have a negative impact on the user's personal credit.
2. What are the loan products for Renren Loan?
1. Salary loan
Users aged 22-55 who have worked for 3 months can submit applications, which are suitable for office workers who have just graduated, because they will face problems such as renting a house, spending money and human feelings after joining the work, and it is inevitable that they will be nervous at hand. As long as the monthly income is more than 2000 yuan, you can apply for a salary loan, which is very easy to pay and has no restrictions on use. Can be used for decoration, marriage, buying a house, buying a car, education (further study, study abroad) and so on.
The amount of the next payment is about 3000 ~ 50000 yuan, and the annual interest rate depends on the user's qualification, which is basically above 10%. This will check the credit information, and loan users can hardly apply, but white households can provide sesame points.
2. Industrial and commercial loans
The first choice for self-employed, entrepreneurs and company bosses. The legal representative can submit an application when the enterprise operates for 1 year. Commercial loans are mainly used for liquidity, purchase of equipment or raw materials, marketing expenses, etc. , the maximum amount is 500,000.
3. Online commercial loans
It is slightly different from the online merchant loan of the online merchant bank. Renren. com has a low loan threshold for online merchants and is suitable for shopkeepers who operate Taobao. They can apply six months after opening the store. The store level reached 2 diamonds, the favorable rate reached 95%, and the dynamic score reached 4.5. The proportion of unvalued products and virtual products shall not exceed 40%. There is no record of Taobao punishment. In the past three months, the total transaction amount has reached 30,000 and the number of transactions has exceeded 50.
Judging from the application conditions, the threshold for online business loans is still relatively strict. It is not easy to simply apply for opening a store, and it needs to be approved by QQ video, so the next payment is not so easy.
Third, is it easy for people to borrow money?
Renren loan has a good reputation among many borrowers. Many users say that the next payment is quite easy. As long as personal credit is good, white households can authorize sesame seeds, which can improve the success rate of applying for loans.
Online loan users should not apply, and it is said that they will be rejected immediately. Although it is easy for everyone to borrow money, the borrowing cost is higher than that of banks, because everyone not only needs to pay interest, but also pays the loan service fee and management fee according to the loan term. To sum up, the cost is relatively high, so we can comprehensively consider borrowing again.
Everyone's credit will always be texting, not calling.
Everyone's credit always sends text messages instead of phone calls, probably because this loan platform wants to urge you to pay back the money, but to a large extent, this loan platform deliberately scares you. But everyone must pay back the money at a fixed time. If you don't pay back the money, the other party may keep sending you messages to harass you.
First, everyone's credit.
Renren Credit Management Co., Ltd. is an organization focusing on third-party credit evaluation and credit management. Founded on August 28th, 2005, 2065438, located in Yinhe SOHO, Dongcheng District, Beijing. Renren Credit Management Co., Ltd. is a subsidiary of Sunshine Insurance Group, established on 20 15, and is an independent third-party credit evaluation and credit management institution. [The company adheres to the concept of "encouraging trustworthiness and punishing dishonesty", adheres to the principle of "fairness, objectivity and service", and uses big data and cloud computing technologies to objectively present the credit status of enterprises and individuals.
So this platform is a third-party credit evaluation and credit management platform. If you handle related business on this platform, but you don't pay back the money, then this platform will always call you. So the other party keeps sending you messages, but doesn't call you, probably because it wants you to pay back the money quickly.
Second, it may be fraudulent information.
However, it may be a scam message, and everyone definitely needs to distinguish clearly to see if they really handle related business on this platform. If you do handle business on this platform, it may be because you are overdue, and then the other party will keep sending you messages.
If you don't do business on this platform, but you still receive the information sent to you by this platform, it may be information forged by others to defraud your trust. So don't listen to others casually. You must have a rational judgment. See if you are really overdue. If it is really overdue, then pay back the money quickly.
What is everyone's credit?
Renren loan is a third-party private credit reporting agency, which mainly provides credit evaluation services for some private loans and online loans. Different from the people's bank of China, the people's bank of China is an official credit, and users will definitely check the people's bank credit when applying for bank loans and credit cards. As for everyone's credit, they are all online loans, private loans, and loans that do not cooperate with the People's Bank of China's credit investigation. We will refer to its credit evaluation.
Therefore, although it is not an official credit report, once everyone's credit is lacking, it will still adversely affect daily life.
Which lending platform is Renren Loan? Why did you send me a message?
There are many credit companies in the market now, which also collect and record the relevant data of users. Someone asked, which lending platform is Renren Loan? Why did you send me a message? Then briefly talk about related issues, hoping to be helpful after reading it.
1. Which lending platform is Renren Loan?
Renren Credit Information is not an official credit information agency, but a private third-party data platform. It mainly collects and records the loan and repayment information of some private lending, online lending and platforms that are not connected to credit information. Some platforms may access the relevant data of everyone's credit for evaluation when auditing the comprehensive situation of users.
Because personal credit data directly affects the credit problem, and now the data are shared with each other, users should pay attention not to let it go on overdue, otherwise the longer the overdue time, the greater the negative impact.
Second, why did you send me a message?
As a credit company, Renren Credit generally does not take the initiative to send text messages to users. If you receive a text message, it may be sent from a platform that has been connected to Renren Loan, or it may be to use the user's fear of being recorded overdue to put pressure on the debtor and urge repayment. So the main consideration is the platform behavior.
The above is the answer about "Which lending platform is Renren Loan? Why did you text me? " . Generally speaking, Renren Loan is not a lending platform, but a third-party credit reporting agency. Moreover, Renren Credit is not responsible for collection, so it will not send text messages to users. It is likely that the arrears platform uses everyone's credit to pressure users to repay.