Will unpaid electricity bills affect my personal credit report?

Legal analysis: No. There are two types of electricity bills, one is a card-inserted meter, and the other is a new smart meter.

The power will be cut off if the card is in arrears.

Intelligent before payment, when the balance is less than 10/15/20/yuan (different in different places), the system will send you a text message. After you are in arrears, you will first be notified by text message. If you have not paid yet, you will receive a manual call in a few days to notify you of paying the electricity bill. If you do not pay, after the power outage, incoming calls must be manually activated.

Legal basis: "Power Supply Business Rules" (hereinafter referred to as "Rules") Article 67 In addition to suspending power supply for any reason, when a power supply enterprise needs to stop supplying power to users, it should handle power outage procedures according to the following procedures :

1. The user, reason and time of the power outage should be reported to the person in charge of the unit for approval. Approval authority and procedures shall be formulated by the provincial power grid operating enterprises;

2. Within three to seven days before the power outage, the power outage notice shall be sent to the users. For power outages of important users, the power outage notice shall be submitted to the same party. Level power management department;

3. 30 minutes before the power outage, the user will be notified of the power outage time again before the power outage can be implemented at the time specified in the notice. Combined with the provisions of Article 66 of the "Rules", it can be seen that if the arrears of electricity bills still fail to be paid after being notified, the power supply can only be suspended with approval. Will being in arrears with electricity bills affect your credit report?

No

: Being in arrears with electricity bills will not affect your credit report, but if you default on paying the electricity bills maliciously, it will be included in your credit report. . If a user fails to pay the electricity bill for many months, the user's credit value will decline, which will affect the credit report.

What is a credit report?

Credit reporting is the collection, organization and preservation of personal credit information records. The personal credit report records the user's past personal credit behavior. This report can affect the user's future economic activities. Whether applying for a loan or applying for a credit card, banks or financial companies will use the user's credit report as a basis.

The role of credit reporting

Credit reporting plays an important and fundamental role in promoting the development of the credit economy and the construction of the social credit system. The first is to prevent credit risks. Credit reporting reduces the information asymmetry of the parties involved in the transaction, avoids transaction risks caused by information asymmetry, and thus plays a role in risk judgment and disclosure; the second is to expand credit transactions. Credit reporting solves bottlenecks that restrict credit transactions, facilitates the conclusion of credit transactions, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and methods of credit transactions, and drives the expansion of the scale of the credit economy.

How to avoid credit reporting?

In our daily lives, we must avoid excessive consumption, because excessive consumption will cause us to apply for a credit card, and if the credit card is not repaid, we will have a credit report. At the same time, college students should also avoid online loans, because the interest rates on online loans are very high, and we are still students and do not have extra money to repay, so we can only borrow one online loan on the software and then borrow another. If the money we owe is still not paid, they will hand over our personal information to the platform. So when we check the credit reporting software, we will find that we have already registered it. So I call on everyone to consume rationally. Will electricity bill arrears affect personal credit report?

Electricity bill arrears will affect personal credit report. Some cities have already implemented a water credit consumption system. If there is a malicious default in paying the electricity bill or a civil judgment for tax arrears, it will be included in the personal credit record and become bad information on the personal credit record. For example, Shanghai stipulates that after residents are charged for electricity bills and still fail to pay them for more than 6 months, bad records will be recorded in their credit reports.

1. According to relevant statistics, by the end of March 2016, the number of people nationwide whose personal information had been included in the credit reporting system had reached 885 million. The social credit system will be slowly improved. Your personal You can also trust your credit information online.

At present, the central bank's new version of the personal credit report will also be launched online, and the personal information collected will be more comprehensive, accurate, and diversified, and is closely related to your life. If your water, electricity and gas bills are not paid on time, it will affect to your personal credit report.

2. Personal credit reporting is a word that has frequently appeared in people’s mouths in recent years. Generally speaking, overdue credit arrears, lack of money for water and electricity bills, failure to pay on time, deactivation of mobile phones, civil judgments, etc. will affect an individual's credit report. Compared with the old version, the new changes in the new version of the personal credit report are mainly reflected in that personal information is more detailed, more comprehensive, and more accurate. For example, the personal resume and the credit report of both spouses will appear on the report, so you will need to Pay very close attention to your credit situation. At present, the domestic personal credit report is constantly improving. Some small things in daily life will affect everyone's credit report. Failure to pay water, electricity and gas bills on time will also be recorded by the bank, which will affect your future actions such as taking out loans to buy a house, so you should never Don’t take it seriously. You should exercise self-discipline to improve and maintain your personal credit.

3. At present, some cities in my country have begun to implement a water and telecommunications consumption system. Among them, Hunan Zhuzhou Water and Electricity Company has reached cooperation with a third-party credit reporting platform. Generally, it will be informed by phone, text message, or in writing. For those who need to pay, if you do not pay your utility bills on time and are overdue for more than two months, your personal credit report will be recorded by the bank as a bad record, and you will also be subject to corresponding penalties when you borrow money to buy a house in the future. Influence. Although there are still many cities that have not strictly implemented credit reporting in this area, it is recommended not to default on water, electricity and gas bills and to maintain a good credit record.