Looking forward to financial credit reporting?

I hope that finance is on credit reporting.

Hope Finance is an Internet financial platform under the New Hope Group, connecting rural borrowers and urban lenders. It mainly provides loan services for farmers and urban office workers. At present, the platform is connected.

China people's bank credit center database, all the records of borrowers.

Records will be uploaded to personal credit information by the platform. However, a good record of timely repayment is no problem and will not affect personal credit. If there is overdue behavior, relevant records will be uploaded to personal credit information, which may affect personal life.

: Behavior that affects personal credit information

1. Bad credit records caused by overdue.

1, credit card overdue

After the credit card repayment expires, it fails to repay on time, or the repayment fails to reach the minimum repayment amount.

2. Overdue loans

Some people in loans overdue will receive credit information at the meeting, while others will not. Such as bank loans, some small loan companies, online loans and so on. Will report credit information. Although some loan companies don't report credit information, don't take any chances. Once the loan company is overdue, it may cooperate with other financial institutions connected to the credit information system to upload overdue records.

3, the cost adjustment caused by overdue

Some banks implement floating adjustment of interest rates, especially mortgage loans. If the mortgage interest rate is raised, the owner will still repay according to the original repayment amount, which will easily lead to overdue.

4. Overdue due to third-party guarantee.

If you make a loan guarantee for others, although you are not repaying the loan, if the borrower fails to repay it within the time limit, the guarantor's personal credit information will also be reflected.

5. Overdue due to the annual credit card fee.

Some credit cards have an annual fee. Most banks will generate an annual fee after you open the card. After one year, you have to spend a certain number of times to avoid the annual fee. Some people think that you don't have to pay back the money as long as you don't swipe your card after opening it, but in fact there will be an annual fee. If the number of brushes is not enough and the annual fee is not paid back, it will cause overdue.

The second is the bad credit record caused by irrational behavior.

1, frequent credit check

Some friends have nothing to do but check their own credit information, or apply for loans too many times in a short time, so checking too many credit information in a short time will also affect personal credit information.

2. Apply for too many credit cards in a short period of time.

Some people refuse to accept credit card sales. If you apply for too many credit cards in a short time, you will call a credit report every time you apply, which will also have a negative impact on credit reporting.

The third is the bad credit record caused by social behavior.

Bad credit records caused by social behaviors are mainly reflected in public records. Generally speaking, the following behaviors will be included in public records:

1, tax owed

Including personal income tax and other taxes payable.

2. Records of civil judgments

If a civil lawsuit is involved and it is not executed on time after the court's judgment and announcement, the court will upload this behavior to the personal credit report.

3. Mandatory recording

Court enforcement will also be uploaded to personal credit records.

4. Administrative punishment

If the punishment is not fulfilled on time after the administrative punishment, the administrative organ will also upload the behavior to the personal credit report.

5, telecom arrears records

The phone bill seems trivial, but if it is not paid for a long time, the telecommunications department will upload this behavior to the personal credit record.

6. Subway fare evasion

Do I have to go to the credit bureau to avoid subway tickets? You're right. At present, Shenzhen Metro has been implemented. Once the evasion ticket is caught, it is likely to be uploaded to the personal credit information system.

7. Run a red light

Don't think that you can do whatever you want by crossing the street in Chinese style. If caught by the police uncle, it is likely to be recorded in the personal credit report. At present, in Shenzhen, Chongqing and other places, you have been recorded in your personal bad credit report.

9. Travel negligence

The National Tourism Administration has issued a document before, which will establish uncivilized archives of tourists at different levels, and airlines, travel agencies and tourist hotels will cooperate to form an uncivilized information notification and accountability mechanism for tourists, and will also be docked with the credit information platform in the future. Making noise, littering, lettering and leaving messages at will all affect personal credit reporting.