After the online loan is repaid, the repayment record will be uploaded to the credit information. Even if the loan is settled, the loan record will remain permanently in the credit information and become a part of personal credit information. However, online loans cannot record credit information, and the internal system of the loan company will also record the user's loan information, which can be used to judge the user's comprehensive credit situation.
Therefore, both on-time repayment and overdue repayment of online loans will leave a record, but the record of on-time repayment is a normal record, and the normal loan record will not affect personal credit information.
If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: kingfisher data, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
Extended data:
Will online loans be repaid on time?
Online loans are repaid on time. Even if the loan is connected with the credit report, only the information of timely repayment will be recorded in the credit report, which has no influence. Due to the popularity of online lending, banks have a high tolerance for online lending records. As long as it is not overdue, the record of timely repayment will not affect the user's application for bank loans.
In addition, users can successfully apply for online loans, which also means that users have good credit qualifications, which is also helpful for passing other loan audits.
Does Netease have a small loan for credit reporting? What will happen to overdue repayment?
; ? As our economic identity card, credit naturally attracts many people's attention. Therefore, when lending, many people will know in advance whether the loan platform will receive credit information. Netease Small Loan is a small loan platform. So, does Netease small loan receive credit information? Today, I will answer the question of whether Netease's small loan is credit.
Does Netease have a small loan for credit reporting?
Netease Small Loan collected credit information at the meeting. If the borrower fails to repay the loan on time, Netease Small Loan will report the borrower's non-performing loan information to the credit information system, which will have a very bad impact on the borrower's economy and daily life. So, remind everyone to keep the good habit of paying back on time, and don't regret it if it is overdue.
The loans provided by Netease Small Loan are unsecured and unsecured pure credit loans. Once the user is overdue, the institution will truthfully report the borrower's bad repayment behavior. I hope everyone can cherish their credit.
What are the consequences of Netease's overdue small loan?
Netease Small Loan has the right to formally record the user's relevant information in the "bad credit record" and list it in the blacklist of the national personal credit rating system (the "bad credit record" data will provide personal bad credit information for banks, telecommunications, guarantee companies, talent centers, media, public security law and other related institutions).
Which online loans are overdue?
The following online loans will be credited:
1, credit card repayment online loan
Laka loan, card loan, small win card loan, repayment, etc.
2. Commercial bank products
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Sui Xin Loan (China Bank), etc.
3. Products of first-line Internet companies
Online business loans, JD.COM gold bars, micro-loans, loans, Baidu's money, Suning's free payment, Netease's small loans, etc.
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
By the end of 20 15, the database had recorded 870 million natural persons, of whom 370 million had credit records.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
The Measures for the Administration of Credit Information Business was deliberated and adopted at the 9th executive meeting of the Central Bank on September 30th, 20021,and is hereby promulgated and shall come into force as of June 30th, 2022.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information:
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
influencing factor
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Draft an administrative management bill
Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.
Do you collect credit at the online loan meeting?
First of all, answer directly.
The platforms of banks and licensed financial institutions will receive credit information at the meeting. Because these platforms are connected to the credit information system, they will report to the credit information system when applying for quotas and formal loans.
Second, the specific analysis
1, application amount
Most platforms require borrowers to apply for a quota before they can borrow.
When applying for the line, the borrower will be required to check the authorization and check the credit information. After the loan platform is authorized, it will apply to the credit information center to inquire about the reasons for loan approval.
Although the application amount is not a loan, it will also be displayed in the inquiry record of the credit report.
2. The loan was successful.
Most lending platforms have revolving loan quotas, but each application needs to be systematically reviewed, so the system will check the credit information every time to judge the borrower's current credit status and repayment ability. If the credit information is checked, "Loan Approval" will also be displayed in the credit information inquiry record.
If the loan passes, you will see some information about the loan in the loan record of the credit report, including the lending institution, loan amount, monthly repayment amount and repayment status. Among them, the monthly repayment amount and repayment status will be updated irregularly. If it is overdue, the repayment status will be recorded as overdue.
3. Loan settlement
After the loan is paid off, the loan record on the platform will not disappear, but will only be settled in the repayment state and will not be updated.
If there is overdue before, it will take 5 years to eliminate overdue records after settlement.
Quickly check in the north, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with credit and without credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
Third, will borrowing money from many platforms have an impact?
If you apply for a loan on many loan platforms, it will indeed have a certain impact.
Because there are too many frequent loans, it is easy to have long loans, and many loans are not paid off in time, so the personal debt ratio is high.
In addition, too many loan records in big data (credit report) will become "spent", and once big data (credit report) is "spent", it will inevitably affect the handling of subsequent loans. Lending institutions/platforms will worry about unstable economic life and insufficient repayment ability when approving, and may refuse to approve loans because of the high risk of lending.
Therefore, it is best to avoid frequent borrowing at ordinary times, and at the same time, it is best not to exceed ten loans, otherwise the repayment burden will be too great, which will easily increase the risk of overdue. If you don't pay off on time within the specified repayment period, your personal credit will be damaged and you won't want to borrow it again in a short time. It is difficult to repair damaged credit in a short time.