Whether the credit report shows the loan record of online loans depends on whether the lending platform has a license. If it is a formal online loan, then according to the Regulations on the Administration of Credit Information Industry, financial institutions must submit the user's loan amount, loan platform, loan type and other contents to the credit information database on time.
If there is no credit for the borrowed online loan, there are hundreds of credit reports. That is to say, Baixing Credit Information, which we often say, is a private credit information agency led by the central bank, which specializes in serving private unlicensed financial institutions.
Personal credit information should pay attention to the following points:
1, be sure to return the credit card in time. If you don't pay off the bill, even if you sell the credit card, it will still be in your bad credit;
2. Credit cards are overdue, and loans such as mortgages should be paid off in time. Overdue loans will be recorded. If it is overdue for more than 90 days, it will be even worse for your personal credit. Banks will score lower when evaluating your personal credit;
Don't vouch for others casually! If others do not pay back the money, it will also affect your personal credit. Therefore, don't think that you can guarantee others without money. You are also responsible for others running away! Whether it is overdue will be clearly listed in the table below.
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
The influence of bad credit record
1, affecting loans
If you have a bad credit record, you can't get a bank loan or even a credit card in the future. This is called spending tomorrow's money to enjoy today's happiness.
2. Affect travel
If there is a bad credit record, overdue repayment will be included in the credit information system, and personal travel will also be affected. For example, you can't fly, train, etc.
3. Affect employment
Many big companies will do a background check on you before you join the company. If you find that you have a bad credit record, you will definitely not be able to join the job.
Step 4 affect the family
Bad credit records not only have an impact on themselves, but also have a certain impact on families. For example, if one of the husband and wife has a bad credit record, then the other party will be rejected if he wants to borrow money to buy a house or a car; Remind friends not to have bad credit records, not to default on any expenses in life, and if there are certain difficulties, choose the minimum repayment amount and installment.
Is the online loan shown on the credit report?
If the online loan is not credit, then there is no record on the credit, and generally only the online loan big data can be found;
If you make a credit inquiry, you can see the loan approval record, post-loan management record, loan repayment, loan amount and other information in the inquiry information and credit information of the credit inquiry.
Credit report is a way to collect, sort out, save and deal with the credit information of natural persons, legal persons and other organizations according to law.
Personal credit reports are divided into three categories:
1, my query version: in order for consumers to know their own credit status, this version contains all the information of the inquired person owned by the credit reporting agency, and shows the detailed names of various loan banks or credit institutions. My query version can be divided into 2004 my query version (old version) and 20 1 1 my query version (new version).
2. Bank inquiry version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other loan banks or collection institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition. Bank inquiry edition is divided into bank standard edition and bank professional edition. Since August 1 2065438, the new version of credit report has been put into operation, replacing the standard version of bank credit report, and the credit report provided by personal credit information system for financial institutions is subject to the new version.
3. Social Edition: for consumers to open stock index futures accounts. This edition shows the credit summary information of the inquired person, mainly including personal practice qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records.
In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.
In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work.
The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.
Check whether the letter of credit will show the loan.
1. All loan records may not be displayed on the credit report, depending on the nature of the lending institution. At present, lenders include banks, licensed consumer finance and some private lending institutions.
2. The first two items are connected to the central bank's credit information, and the loan processing can definitely be displayed on the credit information, such as checking the credit information when applying, leaving the inquiry record of loan approval on the letter newspaper, and displaying the name, nature, amount and other information of the lending institution on the loan record after successful processing.
3. Some private lending institutions have no credit, so they will not be displayed on the credit.
Extended data:
Will checking the credit information have an impact?
Checking credit information may have a certain impact on personal credit information business, because we will keep certain data in the credit information report when checking credit information, and these data will be kept for two years. The data retained in this report mainly includes the inquirer or inquiry institution, inquiry time and inquiry reason. Banks will pay more attention to the data and information retained in these credit reports. When we make too many inquiries, the bank will think that we don't have much money at this stage, and we are potential defaulters, so we will be included in the list of unwelcome customers. When we apply for a loan from the bank, it will be difficult to approve it.