As an "economic identity card" in the Internet age, personal credit information has an irreplaceable position, and many bank financial businesses need to provide credit information records to handle it. In addition to official website, there are many apps in the central bank, Android or Apple mobile phone application market, claiming to be able to check credit records. So is it safe for such a third party to check the credit records? Is it reliable?
Some third-party applications claim to "directly access the central bank's credit information system". As long as you download the software on your mobile phone and authorize your personal identity information, you can quickly check your credit information, which seems to be simpler and faster than that of the central bank.
It is relatively complicated to check credit information in the central bank. For example, submit an application after verification, receive an identity verification code in a few days, and then log in with the identity verification code to view the electronic credit report.
Therefore, it usually takes several days to check the credit information, and these third parties all claim that they can report it immediately. Is it true?/You don't say.
I downloaded a credit information software. When using these apps, I have to register with my mobile phone and verification code, and then I have to authenticate myself. In the process of authentication, users need to input personal information such as ID card and name. At the same time, I have to answer some questions and even be asked to enter information such as bank cards. At the same time, the mobile phone also needs to authorize various permissions, such as location, phone number, access to the camera, and even reading short messages and communication records.
After these operations, you can really find the credit report. This information is the same as that found in official website, but all your personal privacy has been obtained by these third-party intermediaries, which has a great influence. These apps only play the role of intermediary.
There is a saying in the Credit Information Center of China People's Bank, "
Safety tip: Credit Information Center has not authorized any third-party application to provide personal credit report inquiry service.
"
It can be seen that this kind of third-party credit inquiry has great security risks, and personal identity information is easy to leak. It is suggested that it is safer to inquire directly in official website.
Is the orange report safe
Safe. The orange report was created by the orange organization. According to relevant information, it is certified by the management department of Orange Group and has a business license. The projects inside are legally approved, true and very reliable. Moreover, the group has been adhering to the operating philosophy of building an enterprise ecosystem and building a green industrial cluster for many years, so the orange newspaper is very safe.
Is the credit risk inquiry true?
Credit risk inquiry is true, but it is not in favor of checking credit information on these platforms, because no one can guarantee the regularity of such platforms. If information is submitted to them, it will be collected by the other party and easily leaked out. At that time, you will inexplicably receive some text messages and various loan sales calls, and even you may be impersonated with loans and credit cards. The consequences are unimaginable. It is suggested that it is best to check the credit information through formal channels. For example, the four major banks provide online credit inquiry services, and there are two free inquiry opportunities every year. Exceeding times shall be charged according to the standard of 10 yuan. The key is to ensure security without worrying about information being leaked.
Behavior that affects personal credit
1. The credit card is overdue for three consecutive times (or accumulated for six times in two years).
When approving mortgage loans, banks will refer to the number of overdue loans of individuals in the past two years. Under normal circumstances, it will be difficult for a couple to get a loan if they repay three times in a row or six times in two years.
According to the degree of overdue credit, it can be roughly divided into the following two situations:
1. Only one or two credit cards have expired.
In this case, the loan will not be refused, but it is possible to raise the loan interest rate appropriately, which is the first case mentioned above.
Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential treatment when applying for loans in some banks, so choose the one with the lowest interest rate.
2. The credit card is overdue for three consecutive times or six times in two years. Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan.
2. The monthly payment is overdue for 2 to 3 months or not returned.
If you pay the mortgage one day late, you will be charged a late fee.
1. If there is an agreed grace period in the contract, no penalty will be deducted;
2. After the payment is overdue, explain the situation with the loan bank in time;
3. Two short overdue periods will not affect the credit history;
If the loan is overdue for many times, the bank may collect the loan and record the bad credit.
Three, car loans accumulated overdue for 2 to 3 months or unpaid.
Judging from the current situation, if the car loan is overdue, the consequences will gradually increase with the increase of overdue time. If you apply for a loan directly from the bank and don't repay it, your personal credit record will be affected, and poor credit information will directly affect the borrower's future application for a loan.
Four, the interest rate of overdue loans is still paid according to the original amount.
The so-called expected annualized interest rate of overdue bank loans is the expected annualized interest rate generated after banks borrowed money but did not repay it at that time. Generally speaking, if the repayment period is exceeded, a penalty interest shall be charged according to the expected annualized interest rate of overdue loans of banks, so as to urge borrowers to keep their promises.
5. If you don't use the sleep credit card after activation, you may also have a bad credit record.
If you don't use your card and ignore it, it is likely to expire, which will directly affect your personal credit history.
Six, credit card overdraft consumption, mortgage loans, not timely repayment.
Many people have met the requirements of increasing the credit limit because they often swipe their cards and repay on time. Many cardholders often spend too much because of increasing the credit limit, and finally their inability to repay affects their credit records.