Can I check the borrowing record by playing the credit report?

It can be found that the borrowing record found when playing the credit investigation shows the lender of the borrower, so when checking the credit information, it is necessary to determine whether it is the borrowing record according to the borrowing amount and other information. As a loan product, the loan will be reported to the credit information system in a timely manner in accordance with the relevant regulations of the People's Bank of China.

In addition, if there is an overdue or cash-out violation when using the loan, it will be recorded by the credit information system in real time, which will affect the user's application for mortgages, credit cards and other credit services. Therefore, in the process of using the borrowing, it is necessary to maintain a good repayment record and standardize the use of the borrowing to avoid unnecessary trouble.

After Huabei is overdue, it will not only go to the central bank for credit investigation, but also lead to a decrease in the sesame credit score, and even Huabei and borrowing will be turned off, and once Huabei borrowing is closed, it will be difficult to open it again.

Borrowing is a loan product, and when you use it, you need to agree to the "Personal Credit Report Inquiry Authorization Letter" and authorize the lending entity to report to the credit reporting system. Therefore, the borrower will report to the credit information system in accordance with the relevant regulations of the central bank.

Borrow. The terms are clearly written and can be read carefully. If it's not overdue, it's not detectable. Before December 2017, the debit was not recorded in the credit reporting system.

Even if it is overdue, there will be no credit problems, and all borrowings after December 2017 will be recorded and reported to the central bank.

The borrowing is for credit checking. When opening a loan, the system will evaluate the applicant's comprehensive credit, including the central bank's credit. Therefore, it will be more difficult for people with big stains on the central bank's credit to open a loan.

Extended information: When opening a loan, the system will evaluate the applicant's comprehensive credit, including the central bank's credit information. Therefore, it will be more difficult for people with big stains on the central bank's credit to open a loan. If it is a credit black account, then it is impossible to open a loan.

For friends with tainted credit, you can wait for the taint to be automatically eliminated before applying for borrowing. In the event that the arrears are paid off, the loan stain will be automatically removed after 5 years.

Tips for opening a borrowing:

Before you plan to open a loan, you should not only pay attention to repayment on time, but also minimize your own debt, generally speaking, by avoiding excessive credit card use or borrowing money from other financial institutions.

Before opening a loan, check the credit report yourself to see if you have a credit stain, if the stain is not big, you can apply for a loan after the stain period exceeds 2 years.

Some friends are worried that borrowing credit will have a negative impact on themselves. In fact, leaving a check record on the credit report will not have any impact on everyone, unless the frequency of credit inquiry is particularly high in the short term.

"Current Name Credit Loan" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

On January 9, 2018, due to excessive leverage and violation of relevant regulatory regulations of the central bank, some user accounts were voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

There will be a credit record when using a loan to borrow, because the loan has been connected to the credit information system of the People's Bank of China, and each loan record will be recorded in the credit report. This requires users to repay the loan on time after borrowing, and never overdue, otherwise the overdue record will be uploaded to the credit information center.

After the overdue record is uploaded to the credit information center, the record will be kept for at least 5 years, and it will automatically disappear after 5 years, which is the retention time after the arrears are paid off; If the overdue arrears have not been repaid, the overdue record will always be kept in the credit report and will never disappear, which is something you need to pay attention to.

After the personal credit becomes bad, it will affect all aspects of the loan, such as housing loans, car loans, business loans, etc., so it is necessary to repay the loan in time after the overdue occurrence. If you do encounter difficulties in repayment, you can borrow money from friends around you to repay, so that you can avoid overdue repayment and will not have an impact on personal credit reporting.

In fact, when using borrowing money, users can choose different installments, if users feel that their repayment ability is limited, then they can choose a longer repayment period, if the repayment ability is relatively good, then they can choose a shorter repayment period, the shorter the repayment period, the less interest the user spends.

It can be checked, and up to now, the personal credit of Chinese people can be queried.

Bring your ID card or the principal's ID card and power of attorney to the local People's Bank of China credit inquiry window to provide ID card and print personal credit records;

Open the official website of the Chinese Citizen Credit Information Center, the mobile phone number cooperates with the ID card to register the account, and submit the personal credit record inquiry application in the personal inquiry column, and the mobile phone will usually receive the inquiry code sent by the credit information center within 72 hours. Open the official website of the Chinese People's Credit Information Center again to log in to the registered account, enter the SMS inquiry code in the personal inquiry column to view the personal credit information, and at the bottom of the page you can generate a PDF document ** to save.

For cities that have opened the query function on the Internet, you can directly search online. Online inquiries need to be authenticated by mobile phones before they can be queried. Online inquiries are also available on weekends.

If you are in a hurry to take out a loan, you can also ask the bank staff to check your personal credit. Banks can generally see your personal credit situation internally, and you can quickly understand your personal credit through this situation.