As a small online lending platform, Yingu Pratt & Whitney does not have a central bank's credit information system, so Yingu Pratt & Whitney does not go to the central bank for credit information. However, in order to control the loan risk, Yingu Pratt & Whitney will require borrowers to submit their own credit reports when approving loans. After the borrower is overdue, Yingu Pratt & Whitney will notify the overdue records to other online lending platforms, which will affect the borrower's application for new online loans.

Credit is wealth. In order to protect your personal credit, the borrower should develop good habits in daily life and avoid behaviors that affect personal credit:

(1) overdue repayment. After applying for a loan, once the borrower fails to repay in full and on time, it will have a negative impact on his personal credit.

(2) illegal use of cards. If the cardholder is found by the bank to use the card illegally, such as cashing out the credit card, the credit card will be controlled by the bank and the cardholder's personal credit will be greatly affected.

(3) overdue interest. When the loan interest rate is raised, if the borrower still repays according to the original loan interest, it will cause overdue interest and have a negative impact on the borrower's personal credit information.

(4) Too many credit inquiries. If you frequently inquire about personal credit in a short time, it will also have a negative impact on personal credit.

(5) arrears in living expenses. Because the credit information system expands the scope of information collection, if citizens fail to pay the living expenses such as water, electricity, gas and mobile phone fees in time, personal credit will also be affected.