Did you see the flowers in the credit report?

If it is not overdue, it will not be displayed.

Whether you will see the flowers in the credit report depends on the situation. If Bai Hua is used normally and there is no overdue repayment, then the loan record of Bai Hua will not appear in the credit report. If the payment is overdue, there may be overdue records in the credit information system. If the flowers are overdue, you must repay them as soon as possible to avoid overdue records.

At present, anyone who has a credit relationship with a bank or has opened a personal settlement account has his own credit report. In addition, because the personal credit database collects the personal housing accumulation fund, personal participation in endowment insurance, payment information and other information of telecom users in some areas, the individuals involved in the above information have their own credit reports although they have not had credit relations with commercial banks and other institutions. The difference is that the contents in the credit report are complex and simple, because the personal credit activities are different. For individuals with frequent credit activities, the contents of credit reports are naturally more, while for individuals with less credit activities, the contents of credit reports are correspondingly less.

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

Flower Garden is a scene-based credit consumption tool in the Internet era. When users spend, they can use the flower garden quota to enjoy the shopping experience of "spending first, then paying". Product features: purchase first, then repay (except for some specific categories such as taobao travel, recharge, movie tickets, etc., Taobao Tmall records after confirming receipt, and other platforms record after placing an order and paying). Free use of the consumption quota for shopping (if the flower buds are purchased by stages, the buyer must bear the specified fee according to the rate set by the merchant). Convenient repayment, support Alipay automatic repayment.

Banks and other financial institutions have experience in capital and risk control, while Huayuan has consumption scenarios and risk control data. Both sides have their own strengths and complementary advantages. Therefore, cooperation can not only make finance truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, which is conducive to the development of the industry. Ant flower buds support multi-scene shopping. Previously, the main application scenarios were Taobao and Tmall, and most merchants in Taobao and Tmall can use it to pay.

Can you find credit information?

Check the credit report and see the flowers. Hua Bai has been connected to the central bank's credit information system. If the use of flower buds is overdue, it will be directly uploaded to the credit information system, and the flower buds will be included in the online loan record; If it is a normal flower, it will not be reflected in the personal credit report.

At present, there are three ways to inquire about personal credit reports, namely, the People's Bank Credit Information Center, the People's Bank Credit Information Center official website and commercial banks. The credit report can check how many credit cards you have, how many loans you have, the number of inquiries by financial institutions, and whether they are overdue. Next, I will explain it to you from two aspects: the inquiry method and whether there is any problem with credit reporting.

First, the query method

At present, there are three query methods. The first way is to go to the offline institution (credit center) of the People's Bank of China or a bank outlet with a credit inquiry machine. Just bring your ID card. The second way is to register relevant information through official website, the Credit Information Center of China People's Bank, and apply online. You can download the extraction code sent by your mobile phone the next day. The third is to query through the APP of commercial banks, but there are fewer banks that have opened this function at present.

Choosing the first one is to print the paper version for free, and it is more detailed than the other two query versions, so the first query method is recommended first.

Second, how to see if there is a problem with credit reporting?

Banks see if there are any problems with your credit information, mainly in the following aspects:

(a) whether there is overdue.

Credit information will clearly show whether you are overdue, how many overdue periods and how much overdue. If some loan banks see that your credit card is overdue for only one or two days and the amount is only a few tens, they will be lenient. If it is other long-term overdue and the amount is large, it will basically be blacklisted by the bank. Only by eliminating the five-year record can they hope to apply for a loan again in a banking institution.

(2) Whether to apply for an excess loan.

When the bank approves the loan, it will calculate your limit according to the current loan shown on the credit report. If you have more loans on your credit report than the assets you provide, then you may also be rejected by the bank.

(3) Check whether there are many records.

Some people often apply for online loans, credit cards, etc. And whether it passes the audit or not, it will leave an inquiry record on its own credit information, and banks also attach great importance to this record. Banks will think that they have applied for such loans in large quantities, that you are short of money and will refuse your loan request.

I used flowers. Can you find it on the credit report?

Check the credit report and see the flowers. Hua Bai has been connected to the central bank's credit information system. If the use of flower buds is overdue, it will be directly uploaded to the credit information system, and the flower buds will be included in the online loan record; If it is a normal flower, it will not be reflected in the personal credit report.

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.

As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.

Credit information includes: folding credit report. At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, forming a verification mechanism of personal credit information; Credit information. 1. Personal basic information used to identify individuals and reflect their family and occupation; 2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers; 3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions; 4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers; 5. Other information related to personal credit.

Influencing factors of credit investigation

Regulations on the administration of credit information folding

Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.

Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.

After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; Make sure there are no mistakes.

If there is any mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.