1. How long will it take for Chery Financial to file a credit report overdue?
Chery Finance’s credit report was 3 days overdue, and the consumption last month was particularly noteworthy. The credit report on Chery Finance’s car loan last month did not include the amount of overdue credit card debt, and the loan was deferred for three days. What will happen but expenses.
In other words, if you have an income of tens of thousands and Chery Finance has made a car loan, and it is a few days overdue, the car has been towed away by the guarantee company, and I have to pay the balance in one go. Release the car. Although online loan apps are much easier than applying for bank loans, it does not mean that everyone can successfully apply for online loan apps, especially some friends who encounter some difficulties when applying for online loan apps.
2. Will late repayment of a car loan affect personal credit?
1. It will affect personal credit. Overdue repayment of car loans will be recorded in the credit record, which will affect personal credit.
2. It will affect the application of credit cards and loans. If there are too many overdue times, then the application for loans or credit cards will obviously not be approved. Generally banks (or other financial institutions) will consider whether an individual's credit record in the past five years is good.
Extended information:
Personal credit is the basis of credit in the entire society. Market entities are composed of individuals, and all economic activities in market transactions are closely related to personal credit. Once individual behavior is not constrained, personal dishonesty will occur, and then collective dishonesty will occur. Therefore, the construction of personal credit system is of extremely important significance.
Personal credit is not only the foundation for a country’s market ethics and moral culture construction, but also a huge resource for a country’s economic development. Exploring and utilizing this resource can effectively promote consumption, optimize resource allocation, and promote economic development. The more the market economy develops, the more important the function of personal credit is. The perfection of the personal credit system has become one of the significant signs of the maturity of the market economy.
In October 2013, an announcement issued by the Credit Information Center of the People's Bank of China showed that starting from October 28, 2013, the scope of the pilot project in which individuals can check their credit reports through the Internet will be further expanded. The three pilot projects of Sichuan, Sichuan and Chongqing have been expanded to the whole country and can be checked online
The main information of personal credit:
1. Identification information
Mainly includes name, Identity document and unique number, date of birth, marital status, spouse information, home address, contact number, etc.
2. Business information
Mainly includes individuals’ actual performance behavior resulting from credit relationships with financial institutions or housing provident fund management centers and other institutions such as loans, guarantees, credit cards, insurance, etc. Record.
3. Public *** information
Mainly includes information on personal tax payment, social insurance participation, and personal property status and changes.
4. Special records
Refer to records involving civil, criminal, administrative litigation and administrative penalties that may affect personal credit status.
5. Other information
Sources of personal credit file credit information: 1. Provided by myself; 2. Provided by my employer; 3. Financial institutions, commercial institutions or other interests Provision by relevant persons; 4. Announcements from state agencies; 5. Public reports by the media.
Personal credit reports mainly include the following information about consumers:
1. Basic personal identity information (name, date of birth, address, phone number, workplace, etc.)
< p>2. Credit history (repayment records of credit cards and consumer loans)3. Public records (communication payments, utility payments, judgment records, etc.)
4. Inquiry records (All queried records of the person being credited within 6 months)
Personal credit score
It is a specially designed mathematical model used by credit service intermediaries, based on the personal credit report. The recorded content evaluates and calculates personal credit ability and gives a person's risk score. The higher the personal credit score, the higher the personal creditworthiness.