1. Why are some loan records not shown on the credit report?

Explain that these loans are non-performing loans, and non-compliant loans will not be reported to the central bank for credit reporting.

Many people will pay attention to their central bank credit record when applying for loans and credit cards, because a person's credit record will affect all aspects of that person, and may even determine the difficulty of future loans, so Everyone pays special attention to personal credit records. However, some loans are not listed on the credit report at all, and there is no record on the credit report. This is not a good thing and shows that this loan is not formal at all.

Irregular loans will not be included in the credit record.

As I mentioned above, for those non-performing loans, non-performing loans will not be on the credit record. These loans are mainly focused on online loans, which are what we often refer to as online loans. Online loans have harmed many people, especially young people who do not have a sound consumption concept. The loan process of these online loans is not only informal, but also has very high loan interest rates.

It is not recommended that you apply for a loan product that does not have a good credit record.

Some people may think that it is a good thing that the loan is not listed on the credit report, because it will not affect their credit record. But in fact, there is no way to guarantee your legitimate rights and interests with loan products that do not have a credit record. For those loan products that do not comply with regulations, you can think of these loan products as being disguised as the Internet. As ordinary people, we want to establish such loan products as far away as possible.

It is recommended that everyone cherish their personal credit report.

Everyone is no longer unfamiliar with the concept of credit reporting. Now is a credit society. Everyone’s personal credit reporting is very important. If a person’s personal credit reporting contains too many loan and credit card inquiries and Using records will make this person very troublesome when applying for a loan in the future. If your credit record is not good, your loan limit may be affected at best, or you may be disqualified for a loan at worst. Some people may not care about their personal credit report at first. Only when you really need money will you realize how important your personal credit report is.

2. Why can’t the loan records be found in the corporate credit report?

Credit report and loan are not the same thing. Being able to get a loan means that your credit report is good.

3. The company requires a personal credit report, but I have never applied for a loan or credit card. Log in...

1. As a credit card holder, once you are unemployed or ill, Or when other unexpected events result in the inability to repay the loan on time, before the final repayment period arrives, the cardholder is best to call the bank's credit card center to state his financial situation, state that he does not owe the loan maliciously, and apply for a deferral. Repayment and interest discounts.

2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

4. Where to check the enterprise credit report

The legal representative or entrusted person of the enterprise can check the credit inquiry window of the local People's Bank of China.

To inquire about corporate credit reports, you need to bring the following materials: you need to bring a copy of your business license, a copy of the institution's credit code certificate, a stamp, and fill in the application form. It is not necessary for the corporate legal person to go in person, but also needs a power of attorney template from the People's Bank of China. The authorization requires the signature of a legal representative or a personal seal. A copy of the person in charge’s ID card and a copy of the legal representative’s ID card.

Enterprise credit reports are mainly used for credit approval and post-loan management of commercial banks, and are also used by government departments for awards, evaluations, bidding, or auditing agencies to conduct financial transactions after the enterprise's authorization and consent. Commercial banks and government departments You can check the credit report of the company to understand its credit status. If the enterprise believes that the information in the credit report is disputed by data providers such as commercial banks or commercial banks.

Credit report is divided into enterprise credit report, which is a record containing personal credit information and is used for credit. Credit reports are divided into three categories: information, credit transaction information, and other information.

The central bank's personal credit reporting system is online. The "report of overdue records" sets the starting point of overdue information as October 2009. Previous bad repayment records have been deleted and the time limit for the records is clearly stipulated. In the old version of the personal credit report, overdue records will be displayed no matter how many years ago. The new version of the credit report only displays the overdue records of consumers in the past five years. The new version of the report uses text descriptions so that citizens can know at a glance which cards have been overdue. , which repayments are all normal. At the same time, the new version of the report also reserves an area for displaying information such as asset disposal and guarantor compensation.

In the early days of the establishment of China’s credit system, many people did not pay enough attention to personal credit, which caused the problem. The credit card or work unit will refer to the information, which has had a serious impact on the lives and work of these people. The launch of the new version of the central bank's credit report will give individuals who have been overdue and have paid off their debts an opportunity to make corrections and re-establish and repay their debts. Accumulate their personal credit records. It is reported that if there is negative information on the personal credit report, residents will be affected.