How do you see if Huabei is on the credit report?

When the page displays the "Personal Credit Information Inquiry and Submission Authorization Letter", it means that the user has been connected to the credit report, and the records of using Huabei and repayment will be uploaded to the credit report. Without the "Personal Credit Information Inquiry and Submission Authorization Letter", the user's Huabei has not yet docked the credit investigation.

If the user's Huabei has been upgraded, or has been upgraded to credit purchase, then when querying the relevant contracts and product descriptions, you can basically see the "Personal Credit Information Inquiry and Submission Authorization Letter". Or when the user upgrades, the page will prompt the user to agree to report personal credit information to the People's Bank of China.

If Huabei has been connected to the credit information, then it should be used more cautiously. Because if it is used improperly, such as overdue repayment, then the overdue record will be reported to the central bank credit in addition to sesame credit, and the overdue record will form a credit stain on the personal credit report, and a credit stain will lead to bad personal credit.

Open Alipay, click [My] in the lower right corner - select [My] in the Huabei interface to find [Related Contracts and Product Descriptions] to view the contract information, if the contract information is very small and does not mention personal information, it means that Huabei is not authorized to connect to the credit information.

If the contract information as shown below contains a letter of authorization for personal credit information inquiry and submission, it means that in the process of using Huabei, there is a need to agree to inquire about credit information, and the content of Huabei will be found in the credit information.

Check the credit report and see Huabei.

Target. Huabei has been connected to the central bank's credit system.

If there is a situation of overdue repayment when using Huabei, it will be directly uploaded to the credit system, of which Huabei is included in the online loan record; If it is a normal use of Huabei, it will not be in the personal credit report.

embodied in it.

Extended Materials

Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users. Personal credit report.

It is the personal credit history history that the credit reporting establishments lawfully collect, lawfully process and sort out the information they collect, and finally provide it to lawful information inquirers in accordance with law.

As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories.

In May 2019, the new version of personal credit information was officially launched, and the duration and granularity of credit information will be further improved.

On September 30, 2021, the Measures for the Administration of Credit Investigation Business were issued to the People's Bank of China on September 17, 2021.

It was deliberated and adopted at the 9th Executive Meeting in 2021, and is hereby promulgated to take effect on January 1, 2022.

The content of the credit report includes: folding credit report. At present, it is mainly used for various consumer credit businesses of banks.

With the social credit system.

As credit reports continue to improve, credit reports will be more widely used in various areas such as business credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information. Credit Information. 1.

Basic personal information that can be used to identify an individual and reflect the individual's family, occupation, etc.; 2.Personal credit information formed by an individual's credit relationship with a financial institution or a housing provident fund management center; 3.Personal credit purchase and payment information formed by the credit purchase relationship between individuals and commercial institutions and public utility service organizations; 4.

Information on public records related to personal credit formed by administrative organs, administrative affairs enforcement bodies, and judicial organs in the course of exercising their authority; 5.Other information related to personal credit.

Factors influencing credit reporting.

Collapse the regulations on the management of credit reporting.

Article 25: Where information subjects feel that there are errors or omissions in the information collected, stored, or provided by credit reporting establishments, they have the right to raise objections to the credit reporting establishments or information providers and request corrections.

Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct verification and handling within 20 days of receiving the objections, and reply to the objectors in writing on the outcome.

Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information provider or credit reporting establishment shall make corrections; Confirm that there are no errors.

where there is an error or omission, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

You can check whether Huabei is on the credit report through the following methods:

Operating environment: brand model: iphone13

First, you have to open Alipay and click [My] - [Huabei].

2. Next, click [My] - [Related Contracts and Product Descriptions].

3. If it shows [Personal Credit Information Inquiry and Submission Authorization Letter], then it means that Huabei has been listed on the central bank for credit.

Fourth, if there is no these, it is not on the credit report.

In addition, if the Huabei service has been fully connected to the central bank's credit system, every payment made by users who have upgraded the Huabei service on Huabei will be recorded by the credit in real time. In this case, in addition to paying overdue fees, users with overdue arrears in Huabei may also be affected when handling mortgages, credit cards and other businesses due to the existence of overdue records in Huabei credit information.

(Take the Huawei P30Pro mobile phone as an example, based on the HarmonyOS operating system).

2. Then click [My] - [Related Contracts and Product Descriptions] in Huabei.

3. If the page you see does not have the columns of "Personal Credit Information Inquiry and Submission Authorization Letter" and "Huabei Signature and Seal and Evidence Preservation Agreement", then you will not be on the credit report.

4. If the page you see has the columns of "Personal Credit Information Inquiry and Submission Authorization Letter" and "Huabei Signature and Seal and Evidence Preservation Agreement", then you must be on the credit report.

Extended information: 1. Recently, Huabei services have been fully upgraded and connected to the central bank's credit system, but you don't have to worry, this is not mandatory, and not all users must have access to credit. However, in fact, some partners have agreed to access the credit investigation before, but they may not have found out.

On the credit report, there is an additional "Huabei Signature and Seal and Evidence Preservation Agreement" and "Personal Credit Information Inquiry and Submission Authorization Letter". Why do some people have this and some people don't?

Huabei's current strategy is to target crowd reporting. For some users with high spending power, Huabei will recommend users to "upgrade", that is, to increase the quota. But this upgrade is conditional, and it will come with two protocols in small print.

As long as you agree, your Huabei consumption and repayment every month in the future will be reported to the credit information center of the People's Bank of China without a lump sum.

It doesn't matter if you repay on time or overdue (overdue will appear separately in the overdue section of your credit report).

2. The method of revoking the authorization is very simple:

Settle the arrears first, then close Huabei and re-open it, as long as you don't agree to the "upgrade", you won't report the credit report.

The specific steps are:

Operating environment: brand model: iphone13

1. In Huabei, open [My]-[Help Center].

2. Select [Huabei Early Settlement] to pay off all the arrears.

3. Return to [My]-[Other] in Huabei.

4. Select [Close Huabei].

5. Then re-open Huabei, and in your "Relevant Contracts and Product Descriptions", there will be no credit reporting authorization.

In the future, there will be no shadow of Huabei in the credit report. However, it should be noted that if you re-open in this way, the quota of Huabei may change.