2. A few companies that access the central bank's credit information system can learn about it, such as Financial Union, Asian Union Finance, Ping An and Timely Rain. , and most of them are not bad at present;
3. Even if the loan company that borrows money is not connected to the credit information system, it will not temporarily generate bad credit after the deadline, and it should not be overdue easily. In loans overdue, there will be default interest at first, and then the loan company also has strict risk control and various collection methods, which may affect normal life and work. And even if the loan company fails to collect the debt, the loan company can recover the debt through legal means.
4. Small loan companies need to check credit records, and applicants need to provide personal credit reports. However, small loan companies have low requirements for personal credit records. If the applicant has one or two overdue records, it will basically not affect the application for loan business.