And the loan is not on the credit report? and can the credit on the loan be eliminated?

In accordance with the requirements of the People's Bank of China's "Credit Investigation Management Regulations", ABC will truthfully report the loan repayment status of customers on ABC's side to the basic personal credit information database every month. Inquiries can be made through the local People's Bank of China or the Internet through the "Personal Credit Information Service Platform" of the People's Bank of China Credit Information Center (

Overdue results in a bad credit history and can incur interest and liquidated damages. Long-term non-return may violate the law, and ABC reserves the right to prosecute.

Too many overdue records will affect the approval of future loans.

If you need to borrow a loan, it is recommended to apply for loan business through formal channels for financing, and you can consider applying for ABC's online quick loan business.

Application Condition (1) Basic Condition 1Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2.

Possess a valid legal ID. 3.E-banking customers of our bank and holding a security authentication tool issued by our bank.

At present, only the second-generation K treasure customers are supported) 4Good credit profile, 5There is no unexpired loan amount and no outstanding balance of the loan.

6.Stable income and ability to repay credit on time. 7.

The purpose of the loan is reasonable and clear.

The loan amount for applying for a network quick loan is 3,000 yuan to 300,000 yuan; The loan limit is valid for 30 days, and the borrower needs to use the loan within the validity period of the loan.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

Purpose of NetJet Loan:

1) The online quick loan business is used for personal consumption and shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.

2) The online fast loan adopts the method of issuing cash credit.

According to article 16 of the "Regulations on the Administration of the Credit Reporting Industry", the retention period for credit reporting establishments of negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. Therefore, the loan should be paid off in a timely manner after the credit is reported, and the overdue record will be eliminated after 5 years. The bad record will be automatically eliminated in 5 years, but the premise is to pay off the previous overdue arrears, and the 5-year time is also calculated from the day you pay off the arrears (no new overdue records can be generated during the period), otherwise, even if you only owe one dollar, as long as you don't pay it off, the bad record will be with you for a lifetime.

Extended information: In 2020, the loan has been on the credit report, and the credit report shows "Wanhui Investment Management****". Because the previous year and the loan did not access the central bank's credit system, so many users did not manage after the overdue, and after this year's credit investigation, many users reported that they were overdue for half a year or even more than a few years.

Originally, there was a fluke mentality and thought that it would be okay to not be on the credit investigation all the time, but now it has caused its own credit to be seriously affected, and the credit business of other institutions cannot be handled.

1. Query records.

Nowadays, many online lending institutions have responded to the requirements of the state to access the central bank's credit system, and each application for online loans will query a personal credit report, and the credit report will also display the query record, which will record in detail when it was queried and how many times it was queried. Inquiry records cannot be eliminated, because only the inquiry records of the past 2 years will be displayed on the credit report. As long as the borrower in accordance with the management regulations of the credit report, the number of inquiries does not exceed 3 times a year, the impact on the individual is almost none, if there are dozens of inquiries a year of online loan records, the impact on the future housing loan and car loan is very large, serious banks will directly refuse the loan.

2. Loan records.

If the online loan is overdue, the online lending institution will upload it to the credit information system of the central bank, and will keep an overdue record on the credit report, which will show the borrowing time, loan amount, overdue status, etc. The online loan record on the credit report cannot be eliminated and will always be retained on the borrower's credit report.

There are many loans that do not require credit investigation, as follows:

1.Loans that do not require credit information include loans, patai loans, credit wallets, kissing small loans, Dafeiyun loans, I come to loans, mobile phone loans, you and me loans, fingertip loans, Cao Cao loans, malt loans, flash silver, magic lamp small loans, Jiufu Jingdang loans, magic cash, flowers for you Silk loans, you and I finance, information and communication loans, spend 100 million yuan first, lack of money, Jianghu emergency, hi money, money station, right turn, copper loan, Quick loan, Didi good loan, Dingji loan, Wanda loan, American loan, Lebao loan, want to borrow money, quick loan, quick loan bear, sweet orange small loan, blue collar loan, Maverick Loan, Cash Bus, Pratt & Whitney Express, Atomic Loan, Meme Loan, Renren Loan, Xinshan Loan, Hi Second Wallet, Flash Loan, Reading Second Loan, Xiaohua Wallet, Xiaomi Finance, Fun Loan, Kung Fu Loan, 58 Financial Consumer Loan, Zendai Wealth, etc. Here are some of the specific introductions to the loans.

1) I'm here to borrow money. It is a mobile loan app designed for young people. There is no need to check credit. It is the fastest-growing micro-loan product for college students and white-collar workers in China.

2) The Easy Loan wallet is an interesting start. You can make payments without checking a credit check. The loan amount is less than 3,000 yuan, and the service life is fixed for 7 days. But you must have a real-name mobile phone number and Alipay. I don't think much about credit checks.

3) For the cloth wallet, if you don't look at the credit loan, it is recommended that you try the cloth wallet. As long as you can provide more than 500 sesame points, the pass rate will be greatly improved.

4) The Internet financial service platform provides users with short-term micro-loan services. In general, I don't look at credit checks.

Extended Materials. The harm of loans.

1.If penalty interest is incurred, 50% interest will be charged.

2.You can't take advantage of loan offers or even apply for a loan.

3.Bad credit history, which affects future loans and credit card applications.

4.Narrowing the blacklist even has an impact on children. For example, children can't go to key schools.

5.The bank wrote a lawyer's letter to the court to Sue: If you don't pay for more than 3 months, it's serious!

The lending bank will collect the loan due in accordance with the law and file a lawsuit with the court in accordance with the loan contract and the guarantee contract. The court will take measures such as property preservation, including freezing deposits in all bank accounts of lenders and loan guarantors, and seizing collateral and pledges.

1 When it comes to credit reporting, many people think that there is no problem if there is no overdue record on their credit information, but in fact, they borrow frequently in a short period of time, and there are too many inquiry records for loan approval on the credit information, and they will also be considered by the loan opportunity that the personal repayment ability is not good and the funds are short, so they cannot pass the review.

2 Secondly, although many loan applicants do not have overdue records on the credit report, they have a large number of outstanding loans in their names, or have a large number of credit card debts, and the monthly repayment amount exceeds 50% of the monthly income of the borrower.

3 If the total credit line of the consumer loan of the borrower is too high, it will also affect the loan, because according to the national policy, the credit line of the consumer loan that each person can get cannot exceed 200,000, because the credit line occupied is too high, which will affect the subsequent loan line, and even directly cannot borrow again.

5 In addition, borrowers who do not have sufficient income, do not have a stable job, or are unable to prove their ability to repay can also be rejected by the lender.

6 Finally, when applying for a loan, some loan applicants may fail in information authentication, such as mobile phone number without real-name authentication, face recognition failure, bank card information filled incorrectly, etc., which can lead to loan failure, which has nothing to do with whether the credit is good or not.

All in all, there are many situations where there is no problem with credit reporting, why can't you take out a loan, and you need to analyze the reasons in combination with your actual situation and prescribe the right medicine to make it easier to succeed in the loan.

Extended information: What to do if there are too many loans in the credit report.

1. Pay off the arrears. In the case of too many small credit loans, it is recommended that borrowers give priority to paying off the smaller amount of loans, reduce the debt ratio on the credit report, and if there is an overdue loan, it must be paid off in full in time, which can effectively reduce the personal debt ratio. If the personal debt ratio is too high, other financial institutions will have a bad impression of the lender, and it will be more difficult to approve the loan.

2. Use credit cards reasonably. In the case of too many small loan records, it is recommended that borrowers give priority to paying off the small loans, and then use credit cards to spend more offline every month to increase their credit value in the bank and roll their credit records. Books worth mentioning, don't use your credit card to shop online all the time, and don't withdraw cash frequently.

1. Income is not good.

As the most important information for applying for loans, income is the key to ensuring the ability to repay, so online loans will judge whether to give the amount according to the borrower's income.

2. Poor credit.

Some users always think that credit has nothing to do with it, and the occasional one or two overdue times have little impact, in fact, overdue can reflect two aspects of the problem, one is poor financial condition, and the capital turnover will not be overdue. The other is that the integrity is not good, there is no awareness of repayment on time, and the habit is overdue.

3. Liabilities. Even if it is not overdue, but the current debt ratio is too high, it will also lead to the failure of the online loan, because a person's income is limited, and if he is still burdened with debts in addition to normal expenses, then there is not much money available for repayment, so institutions are generally reluctant to give borrowers with high debt ratios too high a limit.

Reason 1: The work unit is not good, and the risk is high.

When applying for a loan, the lending institution will consider the applicant's employer, such as state-owned enterprises, civil servants, and teachers, who can get a higher loan amount because they work in a relatively good employer, have a stable job, and have a higher income. However, if you are engaged in high-risk occupations such as mining, construction or blasting, the risk of overdue repayment will also increase due to the high risk of the job, and the loan application can easily be rejected.

Reason 2: The debt ratio is too high, and the borrower is long.

If the credit is good, but the debt ratio is too high, there is a phenomenon of multiple loans, and the monthly loan payment exceeds 50% of the borrower's monthly income, and then apply for other loans, the repayment ability is discounted, in order to avoid loan risks, lending institutions are often reluctant to lend to such users.

Reason 3: Guarantee others.

When the guarantor has a certain risk, if the borrower is unable to repay, the guarantor needs to bear the responsibility of repayment. Therefore, if the secured loan in the name of the borrower is not settled, the lending institution will not approve the loan, after all, once the secured loan fails, the guarantor needs to repay the loan, and its own repayment ability is greatly reduced.

Reason 4: The income is not high.

Income is the determinant of repayment ability, if the borrower's income is very low, even if the borrower has a good credit report and does not have any loans in his name, his repayment ability is still insufficient. Incomes that are too low are not resilient to risk, and lenders will refuse to lend to such people.

The reasons for the rejection of a personal credit report are roughly these:The individual's job is unstable and the income is not high enough, which will make the bank think that the applicant does not have sufficient repayment ability; Applicants frequently borrow money in a short period of time, including online loan platforms, once the application is initiated, personal credit will be queried, and there will be records in the big data, and the bank will know it when it is checked; If the conditions are not met, one of the conditions for a good credit investigation in order for the loan to be successful, in addition to the conditions proposed by the lender, it is also necessary to meet the conditions proposed by the lender.

Personal credit is only an important indicator for the bank to refer to, which does not mean that there is no bad record and it will be able to go down, and whether it meets the various conditions of the lender is also a key point. Therefore, after the loan is rejected, you must find out what the reason for the rejection is, and you can consult the staff, so that you can solve the problem more quickly and apply for a loan again to be successful.

The above is the answer to why you can't take out a loan if you have no problem with personal credit, I hope it can help you. The solution to the rejection of the loan with no problem with personal credit investigation: 1. Pay off all the loans and stop the loans.

2. Prove your financial resources and improve your turnover 3. Keep it for at least two years, and remember not to continue to check credit in the middle.

A credit report can only mean that you have not borrowed money from the bank or have borrowed it normally. But credit reporting is not an indication of your ability to repay. The most important thing in a loan is the ability to repay, for example, it is easy for the crisis-ridden Evergrande to borrow money.