If the online loan is not overdue, it will also affect the credit information, because most banks have low tolerance for online loans. If there are many online loan application records in the user's credit record, even if there are no overdue records, the application for bank loan may be rejected. At the same time, when applying for a bank loan, the online loan record on the credit information will increase the borrower's debt ratio, so that the loan amount that the borrower can apply for will also decrease. So it doesn't mean there is no overdue record, but the credit is very good. Good credit investigation should be evaluated from many aspects, not just from credit records.

As long as the credit is not overdue, will there be no problem?

Of course. Overdue records can be deleted from the personal credit report. To delete overdue records from credit information, the following two conditions need to be met. The first condition is that the overdue debts have been paid off, and the second condition is that the overdue records have been kept in the credit information for five years from the date of settlement. If the above two conditions are met, overdue records will be automatically deleted from the credit report.

Extended data:

Credit investigation includes personal credit and enterprise credit. Of course, there are also government credit reports, but they can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of credit ability (mainly solvency and solvency degree) of enterprises, bond issuers, financial institutions and other market participants on the basis of analyzing and studying their credit records, operating level, financial situation, external environment and other factors. Formally, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its reputation, and it is an indispensable intermediary service in the market economy system.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

The credit report is based on the Report on the Development of Credit Information Industry in China (2003-20 13) forwarded by People's Republic of China (PRC) and issued by the People's Bank of China. It is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report.

The person subjected to execution refers to the person who has failed to fulfill the obligations specified in the effective legal documents, and has legal circumstances such as "unable to perform" and "resisting execution", so he is listed on the list of persons subjected to execution by the people's court according to law.

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.

Will the absence of overdue loans affect credit reporting?

If in loans overdue, a credit check will be conducted. Credit investigation is the activity of establishing credit files for individuals or enterprises by professional and independent third-party institutions. Third-party institutions collect and objectively record their credit information according to law, and provide credit information services to the outside world according to law. This is a professional credit extension. This institution provides a platform for * * * to enjoy credit reporting.

According to the business model, credit information can be divided into two categories: enterprise credit information and personal credit information. Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly to collect personal credit information and generate personal credit information. Product agent. In some countries, these two operations are completed by one institution at the same time; In some countries, these two businesses are completed by two or more institutions respectively; Or in a country, there are both institutions engaged in personal credit reporting alone and institutions engaged in personal and corporate credit reporting. Generally, there is no restriction on the institutions engaged in enterprise credit investigation, and the specific credit investigation institutions shall decide on their own according to the actual situation.

The best way for loans overdue is to pay off the overdue part as soon as possible. Overdue loans have certain negative effects and need to be treated with caution. The bank's loan records will be uploaded to the central bank's credit information system. Generally speaking, overdue loans will be recorded in personal credit information, which will have an impact on personal credit. Applying for a loan or credit card in the future will reduce the pass rate.

Does the overdue loan affect the credit investigation?

If the loan is not overdue, it will not affect the credit investigation. At the same time, when applying for a bank loan, the loan record on the credit information will increase the borrower's debt ratio, so that the borrower can apply and the loan amount will be reduced.

Behavior that affects the credit report:

1. Personal credit cards or loans that are overdue for three or six times in a row within two years will be listed as bad credit by banks, and loan applications within three to seven years will be affected. The bank may raise the loan interest rate, reduce the loan amount, or even reject your loan application directly. Therefore, consumers are advised to pay attention to repayment time, repayment amount and repayment tips. Repay in full before the repayment deadline, and repayment also involves the time of bank transfer. It is suggested that consumers can repay the loan three days in advance. In order to avoid the bad credit record caused by bank transfer.

2. Guarantee for others and assume joint liability to provide guarantee for others, but others fail to repay on time, then assuming joint liability will also leave a stain on personal credit records. It is suggested that consumers should carefully consider and act cautiously when guaranteeing loans for others in their own names.

3. Online loans that evade Internet finance, while providing convenient and timely financial services to borrowers, have once become the hardest hit by dishonesty because they have not been connected with the central bank's credit information system. With the establishment of hundreds of bank credit reporting agencies, the credit reporting system of mutual funds has been gradually improved. In particular, the * * * special rectification team, which notified the information of debt evasion, cancelled the penalties related to the work of borrowers on P2P platform, and paid attention to further improving the online loan industry, recently made it clear that online credit loans were included in the investigation system of the People's Bank of China, which strengthened the punishment for dishonesty. According to informed sources, up to now, with the completion of the submission of the first platform such as Pleasant Loan, more than 1 10,000 pieces of information have been submitted in various places. Consumers are advised to repay the loan in time when borrowing on the online lending platform, otherwise there may be bad credit records.

4. Monthly car loans, housing loans overdue, car loans and housing loans overdue with excessive debts, or those that have not been paid for more than 2-3 months and the monthly payment exceeds 50% of the borrower's monthly income within 2 years will also be included in the bad credit information system.

5. Frequently inquiring about credit reports and personal credit reports will also affect personal credit. If consumers apply for loans from multiple Internet finance companies at the same time, resulting in frequent personal credit inquiries, banks will judge that you are in urgent need of money and doubt whether you can repay on time. Therefore, before applying for a loan, you must be clear about your purpose and choose carefully to avoid applying for a loan from multiple fund companies at the same time.

6. Identity information is fraudulently used. If the personal identity information is used unintentionally, the fraudulent party will not repay the credit card or loan, and the fraudulent party will record the bad credit record. Therefore, in daily life, consumers are advised to pay attention to personal identity information, never place personal applications at will, and never upload personal applications online. When handing over a copy of your ID card to others, you should indicate "the copy is invalid" or "for XXXX use only" to avoid being used by others.

7. Uncivilized Tourism The National Tourism Administration recently stated that it will establish uncivilized tourism files at all levels, including airlines.