During the application process, installment music will not inquire about the borrower's central bank credit records, but will review the credit records of 100 banks. In other words, when loans overdue is divided into stages, there will be bad overdue records of credit investigation. Although the installment music platform only reviews the credit information of 100 banks, the employer of installment music has access to the central bank's credit information record, so it is best to repay the loan in time, otherwise, not only the platform will be used for credit information, but also the employer's central bank.
Method for inquiring whether the loan platform is used for credit investigation:
The first point: when applying for a loan, the borrower can look at the terms of the loan. Whether the platform will review the borrower's credit information will be explained in the reading terms. Therefore, if the loan platform needs to review the borrower's credit information, it means that the platform needs credit information. On the other hand, if the loan platform does not need to check the borrower's credit, then it will not be on credit.
The second point: the borrower can match the employer through the platform. Under normal circumstances, whether the loan platform is used for credit investigation depends on the employer. For formal lending institutions and licensed financial institutions, credit surveys will be conducted.
Whether the loan platform is used for credit reporting, users can also determine whether it is on the platform through personal credit reporting after borrowing. Because, for the credit platform, a loan record will be generated after the loan, and all the information of the loan can be clearly known on the loan credit record, such as loan amount, lender, repayment time and so on.
In addition to protecting personal information, borrowers can also learn about their online loan usage through Sky Data and find this WeChat applet. The report includes comprehensive scores, application records and other details, as well as the big data status of personal online loans. If big data is confusing, it must be corrected in time to avoid a major impact on personal credit information.
Do you like to pay by installment?
Let's go
Staging music is a high-quality staging shopping center under Lexin. Founded in June 20 13, it is the pioneer of the domestic installment shopping e-commerce model. Always adhering to the brand concept of "enough is enough, happy to see it happen".
Staging Music Mall has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall.
Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million.
Credit information maintenance method
First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.
If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.
Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future.
Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.
Does installment music affect credit reporting?
If you borrow money in installments, there will be credit information on the loan record, but as long as you repay it on time, the loan record is normal credit information and will not affect your personal credit.
Unless the user's installment music is overdue, the overdue record will be uploaded to the credit information, which will affect personal credit. There is no grace period for installment repayment. As long as there is no repayment on the repayment date, the system will regard the user as overdue.
In addition, the loan record of installment music is conducive to maintaining personal credit as long as it is repaid on time.
The credit information system of the People's Bank of China refers to the activities of the People's Bank of China in collecting, sorting, preserving 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 conduct credit management.
The basic database of enterprise credit information started from 1997, and the nationwide online query was realized in July 2006. The information source of the credit information system is mainly financial institutions such as commercial banks, and the collected information includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.
The Credit Information Center has taken the following five measures to protect your privacy:
Authorized inquiry
No one can see your credit report without your written authorization. Of course, if you have ever borrowed money from a bank or used its credit card, the bank can check your credit report without your consent: after the loan is given to you, the bank needs to know your latest situation at any time to ensure the safety of bank funds.
Restricted use
The Interim Measures for the Management of Basic Database of Personal Credit Information promulgated by the People's Bank of China (hereinafter referred to as the "Measures") clearly stipulates that commercial banks can only inquire about your credit report when handling loans, credit cards, guarantees and other businesses, or managing loans and credit cards issued.
information security
The database that stores your credit report is very safe. Your information is transmitted from the commercial bank to the basic database of personal credit information of the credit information center through the confidential special line, and is automatically processed by the computer. This process does not require any human intervention. The whole system adopts the most advanced computer anti-virus and anti-hacker security system in China, and your information is as safe as your deposit in the bank.
Query record
The basic database of personal credit information also manages the credit personnel of commercial banks (that is, database users), who check your credit report. Every user must register, and the computer system will automatically track and record every user's inquiry about your credit report and display it in your credit report.
Violation punishment
The "Measures" clearly stipulate that commercial banks that query personal credit reports in violation of regulations or use the query results for other purposes outside the prescribed scope will be ordered to make corrections and impose a fine of 1 10,000 yuan to 30,000 yuan; Anyone suspected of committing a crime will be handed over to judicial organs for handling according to law.
After installment music and flower buds are repaid normally, will it affect credit reporting?
It will affect your personal credit information.
Strictly speaking, when you apply for this kind of credit products, your credit information has been affected, because at this time your personal credit information has shown the inquiry record and will remain in your personal credit information all the time. Whether you use this kind of credit products or not, the records on your personal credit information cannot be erased. Your personal credit report will show these records even if you have never been overdue since then. If it is overdue, the personal record will be changed from the previous 3 years to 5 years.
First of all, let me talk about these two products.
Although the main companies of these two products are different, they can basically be understood as lending products. Staging music can be understood as online loan products, and flower buds can be understood as normal lending products. I have answered the basic contents of related products in many answers, and I don't recommend you to use this kind of products. Although such products can relieve your financial pressure in a short time, in the long run, such products will not only hurt your personal credit, but also lead to your financial situation getting worse and worse.
Second, staging music and flowers will affect personal credit reporting.
As I said above, because such products are credit products, your personal credit information will be affected when you apply for such products. At this time, there will be an inquiry record. Whether you use such products or not, or whether it is overdue, your personal credit information has been affected, and any company can inquire about your relevant information in the future.
Third, you need to be responsible for your personal credit.
Some young people may not realize the importance of personal credit report. For many people, only when you need money will you find that personal credit information plays a decisive role in bank loans. If the bank finds that there are many inquiry records in your personal credit report, it will re-evaluate your loan qualification and even refuse the loan on this ground, which will be more troublesome at this time.