1. The implementation of post-loan management has a direct impact on the borrower's credit investigation. Good post-loan management can help borrowers know the repayment situation in time and avoid overdue, thus maintaining personal credit records. On the contrary, if the borrower fails to abide by the repayment agreement in the loan contract, the financial institution may report bad information such as overdue repayment to the credit reporting agency, which will affect the borrower's credit score.
2. Credit records are an important basis for financial institutions to evaluate the credit status of borrowers. Bad credit records will reduce the possibility of borrowers getting loans or credit cards in the future, and even affect their social activities such as employment and renting houses.
3. In order to keep a good credit record, borrowers should regularly check their credit reports to ensure the accuracy of information and correct errors or false information in time.
Extended data:
-According to the Regulation on the Administration of Credit Information Industry, individuals have the right to obtain their own credit reports once a year for free to know their credit status.
-Effective post-lending management will not only help financial institutions to control risks, but also help borrowers to establish a good credit record and lay a foundation for future financial activities.
-The maintenance of credit records is a long-term process, which requires the continuous attention and efforts of borrowers. Through reasonable financial planning and responsible lending behavior, personal credit level can be gradually improved.