What we usually call credit reporting is the credit reporting of the central bank. The central bank will have a credit information system. When a user applies for any credit service, as long as the credit service is formal and reasonable, the user's personal credit information will be queried and used. When a user wants to apply for other services, the bank will check the personal credit of the user by collecting the personal credit of the user. It is for this reason that personal credit investigation is very important to people in modern life, because it is directly related to your business relationship with the bank. If a person's personal credit information is very poor, or even there is a comprehensive overdue situation, this person may even become the executor of dishonesty, which is what we often call Lao Lai.
First, formal loans will be based on personal credit.
Formal loans mainly include three aspects. 1 refers to formal loans of banks, the second refers to offline loans of offline lending institutions, and the third refers to online loans of lending companies. Bank loans are relatively formal, generally including credit loans and mortgage loans, as well as personal housing loans and car loans. Offline loans are generally mortgage loans, with a relatively high loan amount and higher interest than banks. Online loans are generally online loans, and online loans are generally credit loans. The credit limit of credit loans is generally very, basically thousands of levels. The above loans will be on personal credit, so you can check your actual situation.
Second, informal black online loans will not go to personal credit.
There will be many informal black online loans on the Internet, and the annualized comprehensive interest of these black online loans is very high, basically above 35%. To some extent, these online loan products are usury products, but now they are put on the coat of the Internet. If you don't know whether the online loan product you applied for is personal credit, you can log in to the central bank's credit information system through your personal account and then check your credit information record.
To sum up, I hope this answer can help you. At the same time, I also suggest that you don't have the situation in loans overdue, because it will affect your personal credit information.