What effect does pleasant loan have on individuals?

Mainly has a significant impact on personal credit records.

Ten days overdue, send the information you submitted to the bank, personal credit and bad records. Notify all the contacts you fill in and ask them to pay back the money. If you don't pay it back. Then find a lawyer to send you a lawyer's letter or send it to your home, and then the law will force repayment.

References:

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.

At present, credit reports are mainly used for 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.

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.

References:

Personal Credit Information-Baidu Encyclopedia