Is Jiufu on the credit report? Urgent!

Jiufuwanka cooperates with licensed financial institutions, which provide loans to borrowers. Licensed financial institutions can inquire about users' credit information. Once users are overdue, they will report to the central bank, and the loss of credit information will affect all aspects of life. Jiufuwanka once again reminds users not to squander their credit value for temporary needs.

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Influence of bad credit record:

1, blacklist of online loans-from now on, online loans are passers-by;

2. Obstacles to bank loans-for example, if you buy a house in the future, the bank will check the lender's credit and ask for a loan of 600,000 yuan. The bank may only approve 200,000 yuan, or even refuse to apply;

3. Loan interest rate barrier-a bad credit record will make you bid farewell to the preferential interest rate. If you have a bad credit record, the lending platform will no longer give you the preferential interest rate you should enjoy, and even increase the loan interest rate. Greatly affected the cost of loans. Compared with the current small loans, default is tantamount to picking up sesame seeds and throwing watermelons.

In addition, bad records may have an impact on recruitment, job hunting, renting a house and even going abroad for visas. Many people think that once you have a bad repayment record of online loans or credit cards, you can pay back the money when you need a loan in the future, so that the bad record will be cancelled, but this is all wet. At present, the credit information system will keep bad records for more than 5 years.

Phoenix. com-The new version of online credit reporting is about to go online, and it is difficult to move without credit!