Do you have a credit report from Xiaoman Finance?

I suggest you pay back the money as soon as possible, because what you spend money on is a more formal platform, which is connected with the central bank's credit information system. If it is overdue, it will be recorded in the credit information system, which will have an impact on your credit and cause a lot of inconvenience in life.

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Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.

Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.

From June 5438 to February 2020, China. com of the United Nations Global Compact released the list of "Best Practices for Enterprises to Achieve Sustainable Development Goals in 2020". * * * Twenty China enterprises were selected as best practice enterprises. Among them, Xiaoman Finance was commended by the United Nations for its practice of helping small and micro enterprises, helping poor farmers and creating social employment, and was successfully selected as "Best Practice Enterprises for Eliminating Poverty and Promoting Prosperity".

On August 4, 2020, "Suzhou High-tech Zone 2020 Hurun Global Unicorn List" was released, and Xiaoman Finance ranked 108.

On February 20 19, Du Xiaoman's financial ABS case won the "Excellent Practice Award" of Harvard Business Review on February 20 19 at the "Yue Management" award ceremony held at Wharton China Center. On 202 1 July 21day, Du Xiaoman Finance made an emergency donation of100000 yuan through Henan Charity Federation.

Many people don't know about credit reporting. If I popularize personal credit information for you today, what will it affect?

1 will reduce the borrower's loan amount.

2. Do not give the borrower preferential interest rate or make the loan interest rate rise.

3. If there are many bad credit records, the borrower's loan application will be rejected directly.

4. It has an impact on recruitment, job hunting, renting a house, and even visas for going abroad.

5. Credit information difference will be blacklisted by the central bank, which will bring a lot of inconvenience to life.

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Behavior that affects personal credit information _

1, arrears of water charges, telephone charges and other related expenses will affect your personal credit, so Jin Fang Bian Xiao reminds everyone to pay attention to the small details in life. __

2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system. __

3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list. __

4. The borrower's credit card is overdue. This is the most common situation in rasterization. If the cardholder forgets to repay the loan or has been in arrears, 1 year will be recorded if the number of repayments exceeds six times.

Therefore, everyone must make their own records and don't tamper with online loans. If you have no money, you can find relatives and friends. But don't mess with online loans. If there are more online loans, your credit report will be rich and colorful, and it will not be so good to go to the bank for loans in the future.