I. List of online loans for credit reporting
The following online loans will be reported for credit reporting:
1. Credit card repayment types:
Laka loan, credit card loan, small win credit card loan, repayment, etc.
2. Products of commercial banks:
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Suixin Loan (China Bank), etc.
3. products of first-tier internet enterprises:
online business loans, JD.COM gold bars, micro-credit loans, borrowing money, Baidu money, Suning free payment, Netease small loans, etc.
there is only one way to find out which ones are available for credit investigation and which ones are not available for credit investigation-look at the comprehensive rate. If the comprehensive rate is lower than 24%, it will definitely be available for credit investigation. If the comprehensive rate is higher than 36%, it will definitely not be available for credit investigation. There are only a few in between, so you'd better find out before using it.
Extended information:
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to enjoy credit information.
in may p>219, the new version of personal credit information was officially published, and the length and fineness of credit information will be further improved.
second, what online loans are available for credit reporting?
The following online loans will be used for credit reporting:
1. Credit card repayment types of online loans: credit card loan, credit card loan, small win credit card loan and repayment.
2. Products of commercial banks:
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Suixin Loan (China Bank), etc.
3. products of first-tier internet enterprises:
online business loans, JD.COM gold bars, micro-credit loans, borrowing money, spending money on small businesses, paying at will by Suning, Netease small loans, etc.
third, what are the small loans for credit investigation now?
As long as you go to the city of the bank, you can go to the loan company if you don't want to go to the credit investigation.
Fourth, how to eliminate too many small loans for credit investigation
1.
2. Personal credit report has become the reference material of financial institutions because it is objective and cannot be modified artificially. The use records of small loans and small loans cannot be eliminated. Only Article 16 of the Regulations on the Management of Overdue Records of Small Loans stipulates that the retention period of bad information is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.
3. If any of the following situations occurs, you can submit it to the Credit Information Center of China People's Bank
1) The information you filled in yourself
2) The account manager or the small loan entry operation is wrong.
3) The data processing of the lending institution is wrong.
4) In case of the above situation in China, the Credit Information Center of the borrower raises an objection and asks for correction. Small loans use wealth, banks will not deliberately distinguish whether borrowers use small loans or bank loans. If they are overdue, they will not apply for loans and credit cards for borrowers. Under normal circumstances, they will only look at the inquiry records within two years.
, everyone will directly apply for a small loan on the mobile phone, a pure credit loan, and can lend money in a few minutes. However, too many applications still have some influence on credit investigation. Then, the solutions to too many credit reports are as follows:
1) Pay off the debt. In the case of too many small loans for credit investigation, it is suggested that borrowers give priority to paying off the smaller loans to reduce the debt ratio on credit investigation. If a loan is overdue, it will be paid off in full, which can effectively reduce the personal debt ratio. If the personal debt ratio is too high, other financial institutions will have a bad impression on lenders, and it will be more difficult to approve loans.
2) Use credit cards reasonably. A quick and effective way, in the case of too many small loan records, it is suggested that borrowers give priority to paying off small loans, and then use credit cards more every month and scroll their credit records more. Books worth mentioning, don't always use credit card online shopping, and don't withdraw cash frequently.