Renren loan was overdue last year, will it be credited?

At the meeting, personal credit will be reported, because Renren Loan has been connected to the central bank's credit information.

For those users who are exposed to online loans, these users may have short-term overdue, which is very dangerous, because borrowing online loans itself is a high-risk behavior, and the credit of this person will be specified to the online loan association, resulting in the impact of this person's credit life. Regarding the question you asked, I would like to popularize the basic knowledge of Renren Loan and the basic knowledge of credit investigation for your reference.

First of all, let's talk about the issue of Renren Loan.

You can think of Renrendai as one of the many online loans, and there are many formal online loans on the market today. Although these online loans are under the banner of formal loans, they are still essentially high-value offline loans in the guise of the Internet。For users with very small funds, applying for a high-value offline loan will only make their financial burden heavier and heavier, which is not a healthy financial behavior.

You have to learn to value your personal credit information.

Nowadays, many small loans will be connected to the central bank's credit information, which means that when you apply for a loan, there will be a query record, and when you have an overdue record, there will be an overdue record, and these credit records will directly affect your credit life and social life in the past three or even five years. When you want to apply for other loans in the future, the bank will comprehensively evaluate your personal credit and decide whether to approve the relevant amount based on your personal credit information. <>

You want to stay away from microloans as much as possible.

As I mentioned above, users who apply for microloans themselves do not have strong earning power. When these people apply for microloans, the high interest rates on microloans can seriously drag down a person's financial situation and even put them with a heavier debt burden。I think that many young people now will have the misunderstanding of over-limit consumption and overdraft consumption, and they are also the mainstream audience of micro-loans, and I sincerely recommend that young people stay away from micro-loans.

Renren loan contract friendship, usury, routine and cut interest, where on the credit, don't negotiate repayment, because even if you pay it back, the credit is over, you must let everyone take out a loan to sue, through the court judgment, in order to cancel the overdue, but also ask everyone to compensate!

It will be a credit report, because you are overdue, and you have not repaid the loan on time, and you have not repaid the corresponding interest, which means that you have no credit, so you will definitely be on the credit report.

Yes, in fact, most of the loans are linked to information, so it will also affect the credit information.

It will go up, so when borrowing a loan, you must remember the repayment date, repay the loan on time, and never overdue.

Credit will be reported at the meeting. Therefore, when we owe money, we should return it as soon as possible, and there should be no overdue, otherwise it will affect our future credit.

Will everyone get back the loan?

Legal analysis: If you have not repaid the money loaned by Renren, if the overdue time is very long, you will be sued by Renren Loan, generally in this case, Renren Loan wins, and you need to repay all the loan amount, interest, penalty interest and other expenses after the court judgment, and the collection fee of Renren Loan also needs you to pay, which is undoubtedly a lot of money, if you can't afford to pay back, the court will also auction the property in your name, and then give the money to everyone to lend.

Legal basis: Article 3 of the Notice of the People's Bank of China on Issues Concerning the Interest Rate of RMB Loans. The penalty interest rate for overdue loans (loans where the borrower fails to repay the loan on the date agreed in the contract) has been changed from the current interest rate of 2.1/10,000 per day to 30%-50% on the loan interest rate specified in the loan contract.

If the borrower fails to use the loan for the purpose agreed in the contract, the penalty interest rate shall be changed from the current rate of 5/10,000 per day to 50%-100% of the loan interest rate specified in the loan contract. For loans that are overdue or fail to use the loan for the purpose agreed in the contract, interest shall be charged at the penalty interest rate from the date of overdue or failure to use the loan for the purpose agreed in the contract until the principal and interest are repaid. For the interest that cannot be paid on time, compound interest will be calculated according to the penalty interest rate.

Whether you will be sued for overdue loans depends on the circumstances:

1. As long as the amount of the loan is relatively small, even if the debt cannot be repaid in time, there is no risk of being sued, but at this time, the credit of the civil subject will be damaged, and the re-loan may not be approved, which will bring a lot of inconvenience to one's daily life;

2. If the party has not repaid the loan money, the overdue time is very long, and the bank will sue the bank, generally in this case, the bank wins, and the party needs to repay all the loan amount, interest, penalty interest and other expenses after the court judgment, if the party cannot afford to repay, the court will also auction the property in the name of the party, and then return the money to the bank. The law provides that a creditor with a loan overdue can sue the debtor. The statute of limitations for filing a request to a people's court for the protection of civil rights is three years.

The limitation period is calculated from the date on which the right holder knows or should know that the right has been damaged and the obligor. However, if more than 20 years have elapsed since the date on which the rights were infringed, the people's courts will not grant protection, and where there are special circumstances, the people's courts may decide to extend the rights holder on the basis of the right holder's application.

Legal basisArticle 675 of the Civil Code of the People's Republic of China.

The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

If the loan is overdue for 3 years, there will be collectors who will collect money or explode the address book, go to the credit and other behaviors, it is recommended to work hard to earn money and go ashore as soon as possible.

Summary. Hello, there will be these consequences, ordered to repay, submit credit records, legal proceedings, etc., as follows. 1. Order repayment:

Renrenxin will issue a repayment notice to the borrower through a lawyer's letter or other means, requiring the borrower to repay the loan within the specified time, otherwise legal means will be taken to recover the debt. 2. Submit credit records: Renrenxin will report the borrower's overdue records to the credit bureau, which will affect the borrower's personal credit record.

3. Legal action: If the borrower fails to repay the loan for a long time, Renrenxin may take legal measures to recover the debt.

Hello, there will be these consequences, ordered to repay, submit credit records to talk about, legal proceedings, etc., as follows. 1. Order repayment: Renrenxin will issue a repayment notice to the borrower through a lawyer's letter or other means, requiring the borrower to repay the money within the specified time, otherwise legal means will be taken to recover the debt.

2. Submit credit records: Renrenxin will report the borrower's overdue records to the credit information system, which will affect the borrower's personal credit record. 3. Legal proceedings:

If the borrower fails to repay the loan for a long time, Renrenxin may take legal action to recover the debt.

Fellow, I really didn't understand, I can be more specific.

If there are consequences that have already been placed, order the repayment of pure money, submit credit records, legal proceedings, etc., as follows. 1. Order repayment: Renrenxin will issue a repayment notice to the borrower through a lawyer's letter or other means, requiring the borrower to repay the loan within the specified time, otherwise legal means will be taken to recover the debt.

2. Submit credit records: Renrenxin will report the borrower's overdue records to the credit bureau, which will affect the borrower's personal credit record. 3. Legal proceedings:

If the borrower fails to repay the loan for a long time, Renxin Keqiao Huineng will take legal measures to recover the debt.

After the overdue on the Renren Loan, there is generally no credit investigation, but the overdue time is very long, and the malicious overdue person will be credited, so you still have to pay attention to the repayment date on the Renren Loan, if it is overdue, you also need to pay the overdue fee, which is not cost-effective at all. In addition, Renren Loan currently does not cooperate with the central bank credit information, so borrowing on Renren Loan is not on credit information, and there will be no record on your credit report. However, if the user is overdue on Renren Loan, Renren Loan still has the right to report for credit investigation.

Extended information: Renren Loan is an Internet financial platform under Youxin Financial Services, focusing on personal lending, information disclosure is more transparent, and relevant operating data will be published every quarter, so that lenders can understand the operation status of the platform, timely and judge risks, and the transaction funds will be deposited by China Minsheng Bank.

Renren Loan not only adheres to small dispersion, but also completes bank fund depository in February 2016, which is one of the early platforms to complete bank fund depository.

After years of development, Renrendai's business has covered more than 2,000 regions in more than 30 provinces across the country, serving more than 2 million precise users. The cumulative turnover of Renren Loan exceeded 46.2 billion yuan (data as of December 31, 2017), and in December 2013, Youxin Financial Services, a group to which Renren Loan belongs, completed a round A financing of 100 million US dollars, setting a record for the largest single financing in the industry at that time. In May 2014, it was awarded the certificate of "AAA Credit Enterprise of Enterprise Credit Evaluation of Internet Society of China".

In 2015 and 2016, it was continuously shortlisted in the list of China's top 100 Internet enterprises jointly released by the Internet Society of China and the Information Center of the Ministry of Industry and Information Technology, and was rated AAA (the highest level) in China's online loan evaluation system (jointly composed by the Chinese Academy of Social Sciences and the China Securities Golden Bull Financial Research Center) for four consecutive quarters.

When the user has the need for financing and borrowing, Renren Loan will collect and sort out the personal credit information submitted by the user, and finally issue an approval opinion after comprehensive judgment, analysis, comparison and evaluation of the borrower's information, and after completing the risk assessment process. The better the user's creditworthiness, the lower the corresponding borrowing cost.

Renrendai adheres to the advanced and strict risk control concept, and strictly controls the approval process from the source of creditor's rights. Risk identification is achieved through the original rule + experience model. For borrowers, it is necessary to obtain 4 basic information, 5 public information screening, 8 ** verifications, 35+ scorecard data entry, 100% information association inspection, and more than 30% quality inspection coverage to control asset quality.

Borrowers can submit materials, review and disburse loans through the Internet without going out, and enjoy pure online Internet financial information services.

If the letter is overdue, it will not be reported for credit.

Because Renrenxin is only a data collection company, not a loan platform, it is not eligible to access the credit information system of the People's Bank of China. Only financial or consumer companies can access the credit information system of the People's Bank of China.

The solution to the overdue letter:

1. Immediately contact customer service to transfer to manual service, and inform him of the reason why you are overdue. Pay the arrears into the card immediately.

2. Inform the manual customer service Kai Jin that if the reason is overdue, it is not that the debt is not repaid.

3. Request the customer service to revoke the overdue due date if the record is good in the past.

4. Provide proof of overdue due to special reasons: report to the customer service, and the customer service will submit the materials to the central bank, and generally reply within 7-10 working days. <>