2. If "Personal Credit Information Inquiry and Submission Authorization Letter" is displayed in relevant contracts and product descriptions, it indicates that the central bank collected loan and repayment records at the meeting. On the contrary, if there is no such contract, it means that the loan record will not be reported to the People's Bank of China.
1. Can the personal credit loan in Bai Hua be cancelled?
1, Bai Hua's personal credit investigation is an additional item in the original credit investigation contract, namely "authorization for inquiry and submission of personal credit information". If you click to agree to this project, the loan and repayment records of subsequent users on Alipay platform will be displayed, and the credit report shows that this project cannot be cancelled.
2. You can check the relevant contracts in your own garden. If there is a "power of attorney for personal credit information inquiry and submission" in the user contract, it will be collected at the meeting, otherwise it will not be collected. Therefore, so far, Bai Hua's credit investigation into the central bank is only for some users, not all users. This is because the old users of Huabai did not have this contract when they applied to use it, but they will add this item after clicking Upgrade. If you cancel the application or re-apply for a new one, there will be a credit reporting step, which will be fully implemented later.
Second, does Bai Hua's credit report have any adverse consequences?
1, will credit information affect the credit records of many users who are worried about using too many records? You can rest assured. As long as there is no overdue record, the normal use of flower buds is actually no different from using credit cards. A good repayment record can also show that you are a person with a high credit rating.
2. Now more and more small loans are related to credit investigation. The familiar loan products of Alipay, Xiaoman Finance, Weizhong Bank and other platforms are all based on the credit report. After you borrow money, you must remember to repay it on time and keep a good credit record.
Third, how to close personal credit?
1, if there is authorization to query and submit personal credit-related contracts and personal credit information on the Bai Hua related contracts and product descriptions page, it cannot be closed manually. Because this situation means that North China has been connected to the central bank's credit information system, individual customers naturally have no right to cancel.
2. As the credit investigation is authorized, the relevant consumption and repayment records of Bai Hua account will be reported to the central bank's credit investigation system in the future, and the relevant information will still be kept in the personal credit investigation report, so the normal consumption and repayment records cannot be eliminated.
3. If Bai Hua is overdue in the repayment process, it will also leave bad information in the customer's credit report. Bad information can be deleted, but it is usually deleted after the customer pays off the debt. Usually, the arrears must be kept for at least five years after being paid, and then they can be deleted by the system. Cannot apply for deletion manually.
4. If there is no authorization to query and submit personal credit-related contracts and personal credit information on the pages of relevant contracts and product descriptions in Bai Hua, it means that Bai Hua has no access to credit information. However, as Bai Hua upgrades its services, it will authorize a credit investigation sooner or later.
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