If the platform is still there, please actively repay it. You also need to check your credit information to see if the loan is in your credit information record. If the customer service actively contacts the repayment, remember to keep the repayment and transfer records.
Consumer credit information will affect your loan business in the bank in the future.
The purpose of bank loan inquiry is to evaluate a person's credit status. Credit investigation reports usually focus on the following aspects:
1. Record time of credit report. General banks will focus on the borrower's credit information in the last two years.
2, personal basic information, generally check the borrower's personal name, education, date of birth, age, home address, contact information, marital status, work unit and telephone number, education, spouse information and other information.
3. Disclosure of * * * information details (including housing provident fund participation and endowment insurance deposit records) and inquiry records (including inquiry record summary and credit approval inquiry record details).
4. Credit records, including loan records and credit card records. The loan record is the loan record that the borrower has had in the past, including personal loans such as mortgage, car loan, business loan and loans guaranteed for others. Credit card records mainly examine the current credit card holdings, total credit card overdrafts and overdue credit cards.
5. Liabilities and other information.
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Inquire about personal credit information
1. Mobile browser: You can open the mobile phone Baidu, enter "Credit Center" and the "Credit Center of China People's Bank" will appear. Only those marked with blue official website are official. After opening official website, click "Internet Personal Credit Information Service Platform"-try it out immediately, and you can enter the registration login page. After logging in, you can complete the authentication.
2. SMS: This method is the most convenient and quick, and you can receive a "simple credit information prompt" by sending a text message. The specific operation method is as follows: first, you must register an account in the credit center with a medium-high security level, edit the short message "cx registered user name" and send it to "10698000899". Wait for 24 hours after the transmission is successful.