Online loan credit reporting?

First, do you collect credit information from online loans?

no

Second, there is no credit information for point financing loans.

If the company is connected to the central bank's credit information system, the borrower will definitely have a bad credit record if he does not repay. On the other hand, if there is no access to the credit information system, overdue records will not be recorded in the credit information report. But now online loans have big data, and other loans will be affected once they are overdue.

So far, China people's personal credit information can be queried through two channels:

1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;

2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.

3. Will credit card installment affect credit reporting?

1. Credit investigation?

1. If the credit card fails to repay in installments, it will be recorded in the credit information system of the People's Bank of China, and the record will show that the repayment is on time or overdue. Repayment on time is conducive to maintaining good credit, and overdue repayment will be harmful to

2. Legal basis: Article 13 of the Regulations on the Administration of Credit Information Industry.

Personal information should be collected by the information subject. However, the information provided by law is excluded. Information related to the performance of duties by directors, supervisors and senior managers of an enterprise shall not be regarded as personal information. Article 14 It is forbidden to collect personal information such as credit information, fingerprints, blood types and diseases. Credit institutions shall not use commercial insurance, real estate, tax payment and other information. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.

Second, what will happen if the credit card is overdue?

Overdue credit cards are not returned as follows:

1. When the cardholder fails to account for the previous repayment or the bank fails to pay the repayment amount, a credit card late fee is required.

2. Generally, there is an interest-free repayment period ranging from 20 days to 50 days. If the cardholder's repayment is overdue, the daily interest rate of all the interest paid by the cardholder last month is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.

Fourth, do you want to collect credit?

First of all, it is clear that some products in Dianrong.com need to check their credit information.

Dianrong.com loans are reviewed according to the products selected by the borrower and the supporting materials provided. Different products need different application materials, and some small loans clearly need to provide personal credit reports.

For example, personal loans, in addition to providing social security or provident fund payment details, but also check the credit report. Similarly, upstart loans, life insurance loans, owner loans and personal mortgage loans all need to check the credit report.