Online lending platform loans are also on credit. Many online lending platforms have cooperative relations with the credit information system of the People's Bank of China. In addition to overdue records, normal repayment records will also be recorded. In order to avoid the influence of online loan records on personal credit information, users need to return each online loan on time. If they are not careful, they must settle it as soon as possible to minimize the overdue impact.
If the online loan has a grace period for repayment, then the repayment within the grace period is normal repayment, and there will be no overdue credit record.
Do you collect credit at the online loan meeting?
First of all, answer directly.
The platforms of banks and licensed financial institutions will receive credit information at the meeting. Because these platforms are connected to the credit information system, they will report to the credit information system when applying for quotas and formal loans.
Second, the specific analysis
1, application amount
Most platforms require borrowers to apply for a quota before they can borrow.
When applying for the line, the borrower will be required to check the authorization and check the credit information. After the loan platform is authorized, it will apply to the credit information center to inquire about the reasons for loan approval.
Although the application amount is not a loan, it will also be displayed in the inquiry record of the credit report.
2. The loan was successful.
Most lending platforms have revolving loan quotas, but each application needs to be systematically reviewed, so the system will check the credit information every time to judge the borrower's current credit status and repayment ability. If the credit information is checked, "Loan Approval" will also be displayed in the credit information inquiry record.
If the loan passes, you will see some information about the loan in the loan record of the credit report, including the lending institution, loan amount, monthly repayment amount and repayment status. Among them, the monthly repayment amount and repayment status will be updated irregularly. If it is overdue, the repayment status will be recorded as overdue.
3. Loan settlement
After the loan is paid off, the loan record on the platform will not disappear, but will only be settled in the repayment state and will not be updated.
If there is overdue before, it will take 5 years to eliminate overdue records after settlement.
Quickly check in the north, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with credit and without credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
Third, will borrowing money from many platforms have an impact?
If you apply for a loan on many loan platforms, it will indeed have a certain impact.
Because there are too many frequent loans, it is easy to have long loans, and many loans are not paid off in time, so the personal debt ratio is high.
In addition, too many loan records in big data (credit report) will become "spent", and once big data (credit report) is "spent", it will inevitably affect the handling of subsequent loans. Lending institutions/platforms will worry about unstable economic life and insufficient repayment ability when approving, and may refuse to approve loans because of the high risk of lending.
Therefore, it is best to avoid frequent borrowing at ordinary times, and at the same time, it is best not to exceed ten loans, otherwise the repayment burden will be too great, which will easily increase the risk of overdue. If you don't pay off on time within the specified repayment period, your personal credit will be damaged and you won't want to borrow it again in a short time. It is difficult to repair damaged credit in a short time.
Does the formal online lending platform loan affect credit reporting?
Borrowing from the formal online lending platform will not affect personal credit information. Users apply for loans on the regular online lending platform, and the loan records will be uploaded to the credit information. As long as the user repays on time, these records will become part of personal credit information. If the user is overdue, the overdue records will also be uploaded to the credit information, but the overdue records will be deleted after paying off the overdue debts.
Therefore, as long as users repay their overdue debts on time or as soon as possible, personal credit information will not be affected by loan records.
Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Reasons and reasons
If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money? Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company. It will be two weeks or more before the bank tells you whether to lend you money. It's really that the bank is tired and you are bored. Borrowing money is really troublesome.
The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reporting, when you borrow from the bank again, the bank loan officer can check your credit reporting with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank will provide you with loans. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks.
Is there a credit report for online loans?
Online loans are included in credit information.
1. Only a small number of online loans received credit information such as loans at the meeting, but most of them were not found by credit information, but these online loans will actually have an impact on personal big data, affecting bank loans and car loans. Now our country is the central bank credit investigation, credit database and 100 bank credit report database. Generally speaking, as long as you look at the central bank's credit report and online loan data report, you can clearly understand your various credit information. To handle the central bank's credit investigation, you need to bring your ID card to the self-service inquiry machine in the local business hall and issue a personal credit investigation report on the spot.
2. Online loan data query is relatively simple. For example, the quick check letter of Yunwang can quickly obtain the report and check the user's application number, online loan data, network black index points, risk prevention tips, court litigation information, arbitration case information, dishonest information and other data. You can also know the details of network expiration, including expiration days, expiration amount and expiration platform. The content of the report is very detailed, which can provide you with a comprehensive information report, so that you can handle your own data reasonably according to the report, which is of great help to you.
3. At present, most formal online loans are online credit reporting, and only a few online lending platforms are not online credit reporting, but many platforms will cooperate with some third-party credit reporting agencies, such as Sesame Credit and other platforms for joint credit reporting supervision. Once the borrower has an overdue record, the relevant peer-to-peer lending institution will truthfully report the overdue behavior to the central bank for credit investigation. Overdue credit of online loans can only be handled first, and then wait for automatic elimination.
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If the online loan is overdue, the record will exist forever. 2-year elimination: for non-malicious, small and short-term overdue bad records, in this case, the People's Bank of China will not make a thorough investigation of bad records. Normal, good and continuous use for 24 months can cover the non-serious bad records of the previous two years, because the normal records of the People's Bank of China are credit records within two years. Five-year write-off: refers to malicious overdraft, which is large in amount and serious in nature. The People's Bank of China paid off all debts after the bottom, and eliminated bad credit records within 5 years.