1. Some online lending companies will submit overdue information to the central bank's credit information system. These companies will generally specify in the contract and provide corresponding data to the central bank's credit information system through legal channels.
2. There is no fixed list of credit companies, because different online lending platforms may adopt different policies and cooperative institutions are different. Some large online lending platforms may be more likely to report overdue records to the credit information system.
3. The central bank's credit information system is one of the important sources for financial institutions to inquire about personal credit status, including banks and credit card companies, but not limited to this. Once the borrower's overdue record is reported, it may have an adverse impact on his future credit application.
Summary:
If the online loan is overdue, you may go to the central bank for credit information, depending on the contractual agreement between the borrower and the lending platform. Some online lending companies will report overdue information to the central bank's credit information system, which may adversely affect the borrower's credit.
Extended data:
-The borrower should pay attention to the terms of the contract when choosing the online lending platform, especially those involving overdue breach of contract. Knowing the credit information policy of the loan platform in advance can avoid unnecessary credit losses.
—— The Interim Measures for the Administration of Personal Credit Information Business issued by the People's Bank of China stipulates the operation and data provision of the central bank's credit information system.
-According to the Measures for the Administration of Personal Credit Information, borrowers have the right to apply for checking their personal credit reports in the central bank's credit information system, and can verify and correct the wrong information in time.