Hello, some online loans are overdue, and they are collected at the meeting. Some online loans are not collected, which is not necessarily related to whether they are settled. If it is received, even if the settlement is cancelled, it can still be found in the People's Bank of China, so it will still be presented in the credit report.
When you cancel the settled online loan, there will still be a credit record. Even if the online loan is cancelled and the loan account is cancelled, the previous repayment information will remain in the credit information. In addition, the credit record of timely repayment will become a part of personal credit information and be kept permanently. Therefore, the lending record cannot be deleted. Even if the account is cancelled, the loan record will remain. Timely repayment information does not affect personal credit information. On the contrary, such records are conducive to maintaining personal credit. For users, this information is needed to avoid becoming a white household for credit information.
1. On the current network, most online loans are operated by small companies, so they are not qualified to enter the central bank's credit investigation, but some online loans are well managed and can enter the central bank's credit investigation. They are usually more formal and have bigger brands than others. However, although many online loans are not connected to the central bank's credit information, * * enjoys the online loan big data, which is also commonly known as the online loan credit information system. Once there is a record of non-performing loans, it may be reflected in this system. When people use the credit records of the central bank, they will leave traces of inquiries, which is not good for lending friends.
2. Moreover, most online loans can't be queried for credit information, so the specific online loan information can't be found. But now you can know your personal information through the "Juyouxin Data" data on the WeChat homepage, leaving no trace. At the same time, you can also learn more about overdue information of online loans, application records, untrustworthy information, blacklist of online loans and other information. After being blacklisted, the loan application is easy to be rejected and needs to be handled in time. The most obvious impact of big data power outage is that applying for a loan is easy to be rejected. Even if you apply, the amount is not high.
Operating environment:
Huawei p30pro2.0.3
Wechat 8.0. 15
Will the cancellation of the credit report of the online loan account be displayed?
Only loan and credit card approval records, as well as loan repayment records or overdue records will be displayed in the credit investigation. After the user cancels the online loan account, as long as the previous loan record is normal repayment and credit has been granted, this record will always be kept, and it is impossible to show that the account has been cancelled in the credit report.
Of course, online loan records are also part of personal credit records, but users are not advised to apply for too many online loans. Too many online loans may affect users' personal credit.
Is there any information in the online loan account after cancellation?
Yes Even if the online loan account is cancelled, the query records of the platform and related loan and repayment records will still be saved in big data or credit information and will not be deleted by the system.
Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and other services to help customers judge and control credit risks and conduct credit management.
Credit investigation is a professional and independent third-party organization that establishes credit files for individuals or enterprises and provides a platform for professional credit investigation organizations to enjoy credit information.
What do you mean by bad information? Bad information refers to information that has a negative impact on the credit status of the information subject, such as information that the information subject has not fulfilled its obligations in accordance with the contract in activities such as borrowing money, buying on credit, guaranteeing, leasing, insurance and using credit cards, information that the information subject has been subjected to administrative punishment, information that the people's court has judged or ruled that the information subject has fulfilled its obligations, and information that has been enforced.
What do some nouns of "overdue" information recorded in the credit report mean?
Did you see some terms used in the credit report to record "overdue"? It's actually quite simple. For example, the current overdue period number/amount refers to the current continuous overdue period number and amount; Overdue month refers to the month when the loan or credit card is overdue; The number of overdue months/amount refers to the number of months that an overdue behavior has lasted until now and the amount that should not be returned.
How long will the bad information be kept? A lifetime record of dishonesty? Bad information doesn't last a lifetime. The retention period of bad information is 5 years from the date of termination of bad behavior or event. For example, if 10' s mortgage is forgotten to be overdue, the overdue record will be automatically eliminated after 5 years from the date when 10' s mortgage debt is paid off.
What should I do if I find that the bad information record is wrong?
If you think that there are errors or omissions in the information collected, saved and provided by the credit reporting agency, you have the right to raise objections to the credit reporting agency or information provider and ask for correction. After receiving the objection, the credit reporting agency or information provider shall mark the relevant information in accordance with the regulations, check and deal with it within 20 days from the date of receiving the objection, and give you a written reply.
How does Gosling display credit information after spending money to cancel?
When you borrow money through Goose, the loan and repayment records will be reflected in the credit report. If it is overdue, it will directly affect the personal credit problem, and it must be repaid normally. If Goose spends money to cancel, if there is no record of loan or overdue repayment, it will not be displayed in the credit report. If the loan is not paid off after cancellation, it will show that there are outstanding loans. If it is overdue, it will directly affect the credit information and will not be eliminated within 5 years.
1. Goose Spend Money is a consumer loan product launched by Weizhong Bank. Weizhong Bank and licensed consumer financial institutions jointly provide financial services. The lender is a licensed gold consumer, and the funds will be lent to the personal bank account provided by Weizhong Bank, which can be used after being bound to WeChat payment. Goose needs to check the borrower's credit report when applying for money, and the loan repayment will also go to the credit report. Normal credit records will not affect the personal credit of borrowers, but will enrich the credit system of borrowers. In the subsequent application for other loans, it is relatively easier to pass the audit of other financial institutions because of the loan record of timely repayment. If the borrower fails to repay the loan after spending the goose, the overdue record will have a credit report, which will affect the borrower's credit. Even after repayment, the bad credit caused by overdue will be retained for 5 years before it can be eliminated.
Second, personal credit report is a paper report that directly reflects personal credit. It refers to the activities of a legally established personal credit reporting agency that collects and processes personal credit information, provides personal credit information inquiry and evaluation services according to users' requirements, records everyone's daily use of credit cards and loans, and can reflect personal credit status. Personal credit reports play an important role in many fields, such as mortgage loans, credit cards, private lending, job hunting, renting houses and so on.
To sum up, borrowing money from geese must be returned on time. Don't think that there is nothing after cancellation, which is reflected in your personal credit report.