I borrowed 1000 yuan by auction for three years, and now I just want to pay back the principal, okay?

There should be a lot of interest if it is overdue for 3 years. Generally, the principal and interest of term loans need to be returned. You can consult with customer service first. If it is overdue for so long, it will have a bad influence on your credit history.

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There are three channels for personal credit inquiry, namely on-site inquiry, online inquiry and other channels. More than 2,000 inquiry points across the country provide counters or self-service terminals for inquiry, which can be found immediately. Address consultation: Call 400-8 10-8866 to visit www.pbccrc.org.cn. 2. Online inquiry, log in to www.pbccrc.org.cn for inquiry. 3. Other channels (mobile banking App and online banking) Bank of China: Enter the credit information in the search box on the homepage of Bank of China APP, and you can inquire.

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. The establishment of personal credit information system can strengthen the social constraints on individuals, which is an urgent problem faced by China's credit management system.

Credit information content

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, and forms 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 factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.