There are 37 ant borrowings in a year, but all of them have been settled, will the credit report be

Borrowing money with ants is reported on the credit report. At present, formal loan platforms will be connected to the credit information system in accordance with the relevant regulations of the People's Bank of China. When a consumer loan product is connected to personal credit information, it will truthfully feedback the borrower's historical usage records, which will help financial institutions evaluate the borrower's personal credit status.

Under normal circumstances, if the borrower repays the loan on time and maintains good usage habits, then the use of the loan will not have a negative impact on personal credit, but will help personal credit accumulation, which is conducive to future mortgage loans, car loans and other loan applications.

Among the reliable big brands on the market, in addition to borrowing, Du Xiaoman Finance's money is also a good choice. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brands are more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan a day is as low as 2 yuan, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers (click to enter the official money to learn more.)

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Yes, it will be on the credit report, so be sure to repay the loan on time.

Generally speaking, every time you borrow money, the platform will check your credit, and the credit will be released only after the inquiry is reviewed, because the credit report will change over time, and in order to ensure the safety of the funds, it will check the credit regularly. But it does not mean that you will check the credit once you click on it, because the borrowed funds ** are Ant Financial, and Ant Financial will check your central bank credit, but not all of them have to be seen, but instead of sampling surveys, 10 of the number of borrowers will be taken from all over the country a month to check the credit report.

Therefore, if you use a loan, there will only be a small probability that your credit report will be checked, and ant borrowing is generally on the credit after borrowing, so as long as you repay the loan on time, it will have no impact. However, I still want to remind you here that Alipay's ant borrowing is still a microfinance product, and if it is used frequently, it will still be recorded on big data, and when applying for other loans, it will still wear the hat of economic instability, low income, and frequent shortage of funds, which will have a certain impact on your credit information.

Extended Materials. What bad records will affect your credit reporting?

1) Frequent micro-loans.

There was a small storm before:

Suning Finance's "capricious payment" once reported every credit record to the credit report, and even if you use capricious payment to buy bags of salt, it will be on the credit report (of course, it has now been updated to report once a month). If you use it frequently, it will lead to a very large credit record, which is also commonly known as "credit spent".

For some financial institutions with strict vetting, seeing so many records may think that you are in poor financial condition and affect future loan applications.

2) Malicious overdue.

If you haven't paid back a penny for 3 consecutive months (90 days), it will basically be determined that it is maliciously overdue;

If there are more than 6 overdue repayments, it will be very troublesome to apply for a loan.

Of course, different credit institutions will have slightly different review criteria.

Overall: if there is only an occasional overdue, the impact is not great, so don't worry too much; However, if you don't pay your money all the time, or if you are too late too many times, it will affect your future loan approval.

3) Check the loan amount frequently.

If you frequently apply for small loans and credit card approvals in a short period of time, it may also cause a "bad" record and affect the loan.

The reason is very simple: if you have applied for credit many times to check your credit, but there has been no substantial loan, the lender is likely to think that you are in urgent need of funds and do not meet the conditions, and then will feel that it is risky to lend you money, and the loan approval will be very cautious.

The record of each loan will be displayed in the credit information system of the central bank, but as long as you do not repay the loan on time, it will generally not adversely affect the user's PBOC credit information. However, if it is overdue, it will also be displayed in the credit information system synchronously, leaving your bad credit record.

According to regulatory requirements, borrowers need to report to the People's Bank of China for credit reporting, and for each loan borrowed, users need to take the initiative to check the "Personal Credit Report Inquiry Authorization Letter" to agree and authorize the lending entity to report to the credit reporting system.

1. There will be fees for overdue borrowing. It will also have an impact on personal credit reporting and the use of borrowing, so it is recommended to repay the loan in a timely manner.

2. If it is overdue for a long time, there may be a collector to contact, and in serious cases, it may be prosecuted.

3. After the loan is overdue on the credit report, it may affect the subsequent mortgage and other loans.

If there is a record of overdue repayment, the overdue record will be retained for 5 years from the date of settlement, and will be automatically deleted by the system after 5 years. The credit report on the borrowing is the on-time repayment record, which will always be retained in the user's personal credit report, and the system will not automatically delete it. As a result, only overdue records are cleared once every 5 years.

For the application of credit business, the normal credit history has no impact, only the overdue record will affect the loan review.

Extended information: The personal credit report records the individual's credit information, mainly including personal basic information, credit information (whether there is a bank loan, whether there is overdue, credit card overdraft records, etc.), non-bank information (water, electricity, gas and other public utility payment information, tax arrears, civil judgments, etc.).

This information will affect the individual's borrowing behavior at financial institutions. For example, when applying for a personal mortgage, the bank needs to look at the credit report, and if the credit status is good, it may get a discount, while if it has an overdue record, it may have to raise the price, or even fail to get a loan. It can be said that a personal credit report is an individual's financial identity card.

Online inquiry of personal credit report.

Provincial pilot, starting March 27, 2013, the central bank's credit information center personal credit information service platform for the public in Jiangsu, Sichuan, and Chongqing provinces (municipalities) to carry out verification trials. Subsequently, since October 28, 2013, the pilot has been expanded to 9 provinces, adding 6 pilot provinces including Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong.

There is no charge for the time being, because the online credit report inquiry is only piloted in some areas, so there is no charge for the time being, and it does not occupy 2 free "places".

On-site inquiry of personal credit report.

On-site inquiry process: Individuals bring the original and 1 copy of their valid identity documents, fill in the "Personal Credit Report Personal Inquiry Application Form" at the inquiry outlets, and submit the inquiry application, and if the number of inquiries exceeds 3 times or more in the current year, the staff will inform the individual that they need to pay the inquiry service fee, and the individual will voluntarily decide whether to pay for the inquiry. Fees are initially paid in cash and gradually increased as needed.

On-site inquiry fee standard: On May 28, 2014, the central bank announced that the People's Bank of China Credit Information Center will implement a fee system for individuals to inquire about their credit reports from June 3; Specifically, if an individual inquires more than twice a year, a service fee of 25 yuan will be charged each time, and the first two times a year will be free. The number of individual inquiries in 2014 will be counted from June 3, 2014, and the number of inquiries in each year after 2015 will be counted from January 1 of the same year.

Ant Borrow's borrowing records cannot be deleted. It is connected to the central bank's credit system, so the relevant borrowing and repayment will be directly recorded in the personal credit report. The normal borrowing and repayment records are generally permanently retained on the credit report, and the system will not delete them, and there is no human intervention.

Of course, you can rest assured that borrowing records will not have a bad impact on personal credit, unless the loan is used and the repayment is overdue, it will produce a bad record and affect personal credit. And although the normal borrowing records will be retained permanently, the new records will slowly overwrite the old records.

Not just borrowing, but also other loan products. So just remember to repay the loan on time after borrowing, and pay attention to avoid overdue. Although overdue records will not be permanently retained (after paying off the overdue arrears, they will generally be retained for at least five years before being deleted by the system, and if they are not repaid, they may always be retained on the credit report), but the adverse consequences are very serious.

Borrowers who apply for loans too often or carry out loan operations frequently will increase their personal credit risk. The higher the risk score, the more likely it is that the application will be rejected.

Extended Information: Is the borrowing record permanently retained?

The borrowing record will be permanently retained in the credit report and Sesame Credit, and this borrowing record will become part of the personal credit, so the record will not be deleted.

The overdue record will only be retained for 5 years after being paid off, and the overdue record will be automatically deleted after 5 years, so in the credit report, the record of on-time repayment will still be retained.

During the repayment period, the user must ensure that each installment is repaid on time, and as long as it is overdue, it will be uploaded to the credit report.

One, borrow. ”。This shows that the loan record of each loan will be uploaded to the credit information system of the People's Bank of China. If it is a record of repayment on time, it is conducive to maintaining personal credit.

Second, but the online loan record has an impact on the application for a bank mortgage, car loan, and credit card, so try not to apply for a loan at the same time when applying for the above businesses.

Extended information: 1. How to open a loan and how to borrow.

It should be noted that there are three basic conditions that must be met first to open a loan:

1. Individual mainland users aged 18 and above;

2. The account status is normal and real-name authentication has been completed.

3. The account is bound to your bank savings card.

and mainland mobile phone numbers.

Of course, it does not mean that if the above conditions are met, the borrowing will be opened, and whether the borrowing can be opened is the result of the comprehensive evaluation of the system, and manual intervention cannot be made.

Second, how to borrow?

After the loan is successfully activated, the system will give the user a specific amount according to the user's comprehensive situation, and the user can only try to apply for a loan after the limit is successfully obtained.

The amount of quota that users can get in borrowing is subject to the results of the system review, and the system will give a wide quota according to the user's account usage and personal comprehensive situation, and will evaluate it from time to time, and the user quota may be adjusted according to the evaluation results.

In addition, borrowing is not as much as there is a loan, and you can borrow it all at once.

It is understood that the minimum amount of a single loan is 1 yuan, and the maximum amount of a single loan is 40,000 yuan. If your total borrowing amount exceeds $40,000, you can apply to lend it in multiple tranches. For example, if your limit is 60,000 yuan and you want to borrow 50,000 yuan, then you can apply for a loan of 40,000 yuan for the first time and 10,000 yuan for the second time.

In general, as long as there is a quota, you can recycle, but you can't use more than 50 borrowings at the same time. Of course, whether each borrowing can pass the loan review is subject to the results of the system review.

Operating environment: mobile phone mi11 (

Alipay (

How long does it take to eliminate the credit record on the borrowing, and there are two situations.

1. Credit on the record of on-time repayment.

After the borrower repays the loan on time, the information of the on-time repayment will be uploaded to the user's personal credit information.

After the information of on-time repayment is uploaded to the personal credit report, it will always be retained in the personal credit report.

Borrowing records and on-time repayment records are normal credit records, and normal credit records will be permanently retained in the user's personal credit report.

And this part of the record is a part of the credit report, without this part of the record, the user will become a credit white household.

Therefore, as long as the user returns the loan on time, the user does not need to deal with it after the loan record and repayment record are on the credit report.

A record of on-time repayment is also a good credit history, and a good credit history can help users improve their overall credit score.

After the personal comprehensive credit score is improved, the probability of passing the review will increase when the user applies for credit business.

2. Credit investigation on the record of overdue repayment.

After the borrowing is overdue, the overdue record will be uploaded to the user's personal credit report.

If the user pays off the overdue arrears, the overdue record will be retained in the personal credit report for 5 years from the date of repayment, and the overdue record will be automatically deleted after 5 years.

If the overdue arrears are not paid off, the overdue record will always be retained in the personal credit report.

If the deadline is not caused by the person, the user can submit an objection to the credit information center of the People's Bank of China or the People's Bank of China, and after the review of the credit information center of the People's Bank of China, the information will be re-submitted by the credit information system, and then the credit information system will be updated, and it usually takes about 20 days to deal with the objection.

There are only two kinds of objection processing results, one is inconsistent with the actual situation, then the credit record will be corrected; The other is that it is consistent with the actual situation, then the credit history will remain unchanged.

You can click on the query in "Balloon Search", and enter the information to query your own credit data. The query results will display important data information such as personal credit status, online black index score, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, and estimated credit limit for credit cards and online loans.

Extended Information: Will Huabei repay the personal credit report two days later?

If Huabei has been connected to the credit information system, the information of on-time repayment will be uploaded to the credit report.

However, Huabei does not connect with the credit information, so whether it is on time or overdue, the repayment information will not be uploaded to the credit information.

Therefore, Huabei's information is not on the credit report, which is related to whether it is connected to the credit of the People's Bank of China.

At present, only some users' Huabei have been connected to the credit investigation, and whether Huabei will be fully connected to the credit investigation in the future, please refer to the official announcement.