Is the recruitment order overdue for credit reporting?

Not on credit. In fact, this platform is not very compliant, and it is not recommended to lend on this platform. The loan interest of this platform itself is still compliant, and the high is the consulting service fee (which is illegal). The black cat platform has complained about this consulting service fee for more than 300 times, and the platform has not replied, 1 has not replied. You can complain to the Consumer Protection Association where the company registered on the platform is located. The People's Bank of China and the Banking and Insurance Regulatory Commission of China began to punish unreasonable loan charges last year. These illegal charging platforms will be severely punished by supervision sooner or later. Not yet. Therefore, the loan principal interest must be repaid in time. As for the consulting fee, it will slowly fight with the platform, and it will not affect the credit information anyway.

In fact, many online loans are non-compliant and will not be used later. It is better to borrow money under the regular line.

First, the conditions that should be paid attention to in bank loans are:

(1) The applicant is at least 18 years old and has full capacity for civil conduct;

(2) The applicant has good credit;

(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;

(4) Having a legal and valid household registration certificate or a valid residence certificate;

(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.

Second, the loan risk.

(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.

(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.

(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).

(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.

(5) Many "dirty" companies want your house, not profit.

Third, credit reporting agencies.

1 refers to a legal entity approved to be established in accordance with relevant regulations to collect personal credit information and provide personal credit information consultation and rating services to commercial banks and other users of personal credit information;

2. It refers to an enterprise as a legal person engaged in credit reporting business with the approval of the credit reporting supervision and management department. It is a third-party organization other than the two parties to the credit transaction, with a certain scale of credit information database.

3. In a narrow sense, a credit reporting agency refers to a profit-making information service professional institution specializing in the collection, processing, evaluation and dissemination of credit information. Generally speaking, it refers to an enterprise legal person that is approved by the credit supervision and management department and specializes in credit business activities. Credit agencies are usually divided into three categories, namely, enterprise credit agencies, individual credit agencies and property credit agencies. The concept of credit reporting agency can also expand the types of enterprises in other credit management industries, such as credit rating, enterprise collection, credit management consulting and other institutions, and even produce different titles.