Which lending platforms can be used for credit reporting?

1. Ant Financial

Credit lending under Ant Financial includes Jiebei and online merchant loans. Some users of Huabei accept Enter the credit report.

2. Home Credit Consumer Finance

Its include Home Credit Lucky Bag, Home Credit Super Loan, Home Credit Consumer Installment, etc. 3. Ping An Puhui.

Its subsidiaries include Ping An i-dai, Oxygen loan, Zhai e-dai, etc.

3. Weixin Huizhi Finance

Its brands include Weixin Card Loan, Doudouqian, Xingxing Money Bag, Lejiehua, Beauty Club, etc.

4. Immediate Consumer Finance

Its products include Immediate Loan, Zhixianghua, Immediate Installment, and Anyihua, etc.

5. 360 Finance

It has 360 IOUs, etc.

6. BOC Consumer Finance

Its include Xinyidai Micro Loan, BOC Consumer Wallet, Sina Youbori, Sina Youhuan, Lexiangdai, etc. 7. Baifu Bao Technology (Baidu Wallet)

Its brands include Baidu Youqianhua, Baidu Education Installment, Baidu Decoration Installment, etc.

8. Gome

Its brands include Meijie and others.

9. China Post Consumer Finance

Its products include China Post Wallet, Speedy Loans, etc.

10. Jingdong Finance

Its subsidiaries include Jingdong Gold Bars, etc.

11. Qianhai WeBank

Its subsidiary companies include Weilidai and others.

12. China Merchants Union Consumer Finance

Its products include China Merchants Union Home Owner Loans, China Merchants Union Consumer Installment Loans, Good-Term Loans, Credit Payments, Small Spending, etc.

Thirteen, Lakala

Its brands include Lakala Easy Installment and Lakala Repay for You.

14. Suning Financial

Under its umbrella are Suning Renzhifu and others.

15. Rural Credit Cooperatives

Including Yongqianbao and mobile phone loans.

16. Huarong Consumer Finance has credit wallets, etc.

17. Beijing Bank Consumer Finance has resume loans, etc.

1. Bank loans

There is no doubt that all bank loan records will be uploaded to the credit reporting system, including consumer loans launched by various banks, such as China Merchants Bank’s flash loans.

2. Joint loans

Since small loan institutions have limited own funds, they often cooperate with banking institutions to lend together. Because loan funds include bank funds, this type of loan also Check for credit at the meeting.

For example, before the upgrade of Alipay Ant Borrowing, the funds were provided by small lending institutions under Ant Financial. After the upgrade, multiple banks were introduced to jointly lend. On the borrowing interface, you can see that the lender includes Shanghai Pudong Development Bank Banks and other banks, and later Ant Borrowing also started to apply for credit bureaus.

3. Other loans

Although some loans are not bank loans and are not issued by a joint bank, they will still be subject to credit reporting. There are too many to list them all, but before applying for a loan, you only need to pay attention to the loan contract and agreement at the bottom of the page to see if there is authorization to upload the loan record to the People's Bank of China credit system.

What are the online loans that have a credit report?

The online loans currently connected to the credit report include Youqianhua, Ant Juebei, Weilidai, Jingdong Gold Bar, etc.

Extended information:

Youqianhua:

Youqianhua APP is a major brand of Baidu credit services, which can meet the capital needs of daily consumption turnover. Purely online application, no mortgage required, simple application materials, approval in 30 seconds, loan in three minutes, up to 200,000. It has now deployed multiple product lines, including: "Youqianhua-Manyidai", "Youqianhua-Exclusive Loan", "Youqianhua-Small-Term Loan", and the scenarios have covered daily consumption, medical beauty, and education , renting, housing loans, etc., can accurately match users’ borrowing needs and provide users with trustworthy credit services.

Alipay-Ant Jiebei:

Jiebei is an Alipay loan product. Depending on the user’s sesame score, the loan amount is different. The maximum loan period is 12 months The daily loan interest rate varies from person to person. Most daily interest rates are between 0.03% and 0.045%. You can borrow and repay at any time.

WeChat-Weilidai:

After the launch of WeChat’s Weilidai, it has helped many WeChat users get rid of their difficulties, but Weilidai is only open to some users, and WeChat will Only users who meet the requirements can be invited after comprehensive qualification review. Users are not supported to actively apply for Weili Loan.

Jingdong-Gold Bar:

Since its launch in March 2016, many Jingdong users have been using Jingdong Gold Bar. The loan limit is relatively high, and the maximum withdrawal limit is 200,000. You can borrow and repay at any time, and interest is calculated on a daily basis, which is very convenient.

Online loan application conditions:

1. Online loans require applicants to be at least 18 years old and have full civil capacity, and many online loans do not allow current students to apply of.

2. Sesame Credit: Many online loans require authorization from Sesame Credit, so online loans require applicants to have good Sesame Credit. However, different loan products have different standard requirements for Sesame Credit scores. . Applicants are generally required to achieve around five or six hundred percent.

3. Personal credit: Some online loans require a credit check, and some do not, but in general, the applicant still needs to have good personal credit.

4. Other conditions: Online loans basically require a mobile phone number and bank card. Especially for mobile phone numbers, online loans will require applicants to have a mobile phone number that has been used for real-name authentication for 3 months or more than 6 months.

Of course, the conditions may be different for different online loan products. The actual situation is subject to the product page display.

What are the online loan platforms recognized by the state as allowing for credit reporting?

Top 10 formal online loans recognized by the state

Top 10 conscientious loan platforms! The top ten formal online loans in 2022:

1. WeChat-Weilidai

After WeChat’s Weilidai went online, it helped many WeChat users solve their difficulties, but Weilidai only Open to some users, WeChat will review the user's comprehensive qualifications, and only users who meet the requirements can be invited. Users are not supported to actively apply to open Weilidai.

2. Alipay-Ant Jiebei

Jiebei is an Alipay loan product. Depending on the user’s sesame score, the loan amount is different. The maximum loan period is 12 Months, the daily loan interest rate varies from person to person. Most daily interest rates are between 0.03% and 0.045%. You can borrow and repay at any time.

3. Gome Easy Card

The loan age requirement of Gome Easy Card is relatively strict, and you need to be between 18 and 45 years old. You can borrow and repay at any time after borrowing, and the review is fast.

4. Jingdong-Gold Bars

Since its launch in March 2016, many Jingdong users have been using Jingdong Gold Bars. The loan limit is relatively high, and the maximum withdrawal limit is 200,000. You can also borrow and repay at any time, and interest is calculated on a daily basis, which is very convenient.

5. 360 IOU

360 IOU is a 360 financial loan product. The application information is simple. The monthly interest rate starts at 0.8%. You can repay the principal and interest in monthly installments. Apply online. , the account arrives quickly.

6. Suning Renzhi Loan

Zhizhi Loan offers relatively strong discounts to new users. It can be interest-free for up to 30 days. The loan limit is up to 300,000, and repayment can be made in advance. Easy to use.

8. China Merchants Union Haoqi Loan

The loans of China Merchants Union Haoqi Loan can be repaid in up to 24 months, with daily interest rates starting at 0.03%, and approval is fast.

7. Anyihua

Anyihua lends money very quickly, as fast as one minute, and the daily loan interest rate is as low as 0.02%.

9. Tiqianhua

The monthly interest rate of Tiqianhua is different from the above online loan platforms. It is fixed. The monthly interest rate is 0.06%, which is calculated in the loan product. It is lower, and the credit requirements are relatively high, and a good credit report is required.

10. Youqianhua

The loan limit of Youqianhua can be used repeatedly, interest is calculated on a daily basis, and it can be credited to the account in the fastest 3 minutes. Borrowing and repayment are very flexible.

If necessary, we recommend you to use Youqianhua, which is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, renamed "Youqianhua" in June 2018) , big brands are reliable, have low interest rates and are trustworthy.

Have money to spend - Manyidai, the maximum loan amount is 200,000, and the daily interest rate starts as low as 0.02%.

Click to measure the amount online

It has easy application, low interest rate and fast loan , flexible borrowing and repayment, transparent interest rates, and strong security.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply. Online loans are risky, so be careful when choosing!

What should I do if the loan on the credit report is overdue?

1. Pay off the overdue debt as soon as possible

After the loan is overdue, it will be overdue due to the user's own reasons. , then you can only have the overdue records automatically deleted by paying off the overdue debt. After the user pays off the overdue debt, the overdue records will be retained in the credit report for 5 years from the date of repayment. After 5 years, the overdue records will be automatically deleted by the credit report system. The sooner the user pays off the overdue balance, the sooner the overdue record will be deleted. After overdue records are paid off, even if they remain in your credit report, their negative impact will continue to decrease. When overdue records are retained for more than 3 years after being paid off, you can even try to apply for a credit business with partial credit check.

2. Apply to the lending institution to cancel the overdue record

If the overdue record is not caused by the user himself, the user can retain the relevant evidence and submit it to the lending institution for review, and then submit it to the lending institution Apply to cancel overdue records. After the lending institution applies to the credit reference center, it will submit relevant supporting materials to the credit reference center for review. In this case, the application can generally pass the review. Within a few working days after the review is successful, the Credit Information Center will delete the user's overdue records. Users can also lodge an appeal with the credit reference center themselves, and then the lending institution will submit supporting materials to the credit reference center for review.

3. New records replace old records

If a credit card has a bad credit record, the user should pay off the debt in time and continue to use the card, so that the credit reporting system will generate new credit card usage Record. The central bank's credit reporting system will record credit card repayment records in the past 24 months. If the previous bad credit record existed for more than 24 person-months, the new record will overwrite the old record, and the negative impact of the previous bad credit record will be minimized.

Customers are advised to develop a good habit of repaying loans on time and try to avoid overdue payments. Once it is overdue, bad information will appear in the personal credit report, which will affect the subsequent processing of credit business, making it difficult to successfully handle it in a short period of time. If you are not sure about your credit status, just search: Sky Data 1, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan based on your situation.

This ends the introduction on whether the loans from the Credit Reference Center and the loans from the Credit Reference Center are formal. I wonder if you have found the information you need?