Under what circumstances will it affect personal credit reports?

Overdue online loans, overdue credit cards, too many online loan applications, and too many credit card approvals.

The above four situations will affect the user's personal credit report and Baihang credit report. If the report is spent or corrupted, it will affect Huabei, Jiebei, car loans, credit cards, Online loans, deposit-free and other financial services.

To know whether you are on the blacklist, you only need to check the Internet Black Index score in Baihang Credit Report.

The Internet Black Index is scored from 0 to 100 points. The higher the score, the better the credit. When the score is lower than 40 points, it is blacklisted.

Therefore, if you have applied for an online loan for a long time or if your online loan has been overdue, you should check your credit report in a timely manner to prevent credit damage.

Just open WeChat and search for: Baisan data. Click Query and enter information to query your own Baihang credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Query your personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information.

At present, the country is building an all-round "credit network" with no blind spots, connecting society and sharing information, whether it is credit reports or personal credit records, are important components of it. part. Protect your own credit. For everyone, credit is the greatest asset and wealth.