Is curry finance on credit, curry finance is real or fake

If the company has access to the central bank's credit system, the borrower will definitely have a bad credit record if he does not repay the loan. On the other hand, if it is not connected to the credit information system, the overdue record will not be recorded in the credit report. However, now that there is big data in online lending, other loans will also be affected once they are overdue.

It is advisable to repay the arrears as soon as possible, resulting in severe overdue will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Seeing your question I just want to tell you that back then, thousands of miles were looking for a feudal marquis, and a horse was in Liangzhou.

When identifying formal loan companies, it is necessary to pay attention to the following points:

1. Unsecured loans** often use the banner of "large companies" and "national business", and even use the names of some banks, well-known microfinance companies, financing platforms, etc., to confuse lenders and gain trust. Some loans** are in the name of a company, but they don't have an office address, or even a business license or ID card. In this case, you can seek the industrial and commercial department to verify the authenticity.

2. For those who claim that the threshold is low, the loan speed is fast, and the interest rate is extremely reasonable, the more you need to pay more attention and take precautions. In addition, loans** often only leave mobile phone number, QQ and other information, generally do not leave landline and address, if left, you can also verify its authenticity according to the query.

3. The borrower is often required to transfer money in advance to pay the deposit, handling fee, first month interest and other money, and wait until the borrower makes the payment before contacting him, but the other party has already "slipped" and can no longer get in touch. This kind of "loan" usually does not sign any legal and formal contract before the transfer, and requires the borrower to pay a certain fee first just by relying on a few words of chat on the Internet.

There must be a sense of safety precautions, and if you encounter **, you should call the police to protect your rights as soon as possible.

It is best to go to the bank to apply for a loan;

Bank loans need to have stable repayment** and good credit information, or collateral with clear property rights, full value and easy to realize, such as real estate, vehicles, etc.;

To apply for a bank loan, you need to prepare the following documents:

1.Valid ID;

2.Proof of permanent residence or valid residence certificate, and proof of permanent residence;

3.Proof of marital status;

4.bank statements;

5.Proof of income or proof of personal asset status;

6.credit reports;

7.a plan or statement for the purpose of use of the loan;

8.Other information required by the bank.

Conditions required for bank loans:

1) At least 18 years old with full civil capacity, permanent residence of urban residents or legal and valid resident identity certificate, bank loans require the borrower to be between 18 and 60 years old;

2) Have a stable and legal income, and have the ability to repay and pay interest;

3) Have a good credit report;

4) Other conditions required by the lending bank.