Is there a credit report on the records of Huabei and borrowing?

Above. The loan products of Internet companies have different regulations on credit inquiry. For example, the staff of Ant Financial said that the credit bureau corresponding to Ant Huabei is Sesame Credit, not the central bank credit, so it will not affect the number of personal credit inquiries.

Since Ant Borrowing is a loan from Ali Small Loan, it has to check the credit report for borrowing and repaying money.

According to the customer service staff of JD.com, the use of JD white strips should be divided into situations, if it is to buy goods in JD.com**, then it is not to check the credit; However, the use of white strips to decorate and buy a house is a loan from a small loan company, and it is necessary to check personal credit.

Huabei and Borrowing are two consumer credit products under Alipay, which will have an impact on an individual's credit history during use, and upload these records to the personal credit report, thereby affecting the individual's credit investigation. For the use of borrowing and Huabei, including repayment records, overdue conditions, etc., will be recorded in the personal credit report.

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For those who have been rejected multiple times when applying for an online loan, you can learn about possible problems in your personal credit report by cooperating with "Four Joy Data". Four-Joy Data is an accurate and complete big data system, working with more than 2,000 online lending platforms to provide data with a high degree of accuracy and completeness.

Based on the above information and your usage, you can make the following references:

1. Timely repayment: Whether it is Huabei or borrowing, please be sure to repay on time during use to avoid overdue. Developing good repayment habits is the key to improving your credit.

2. Reasonable use of quota: borrow the quota of Huabei and borrowing appropriately, and reasonably arrange your own consumption planning. Excessive borrowing limits and frequent borrowing behavior can adversely affect credit history.

3. Diversified credit history: In addition to Huabei and borrowing, you can also consider the use of other credit products, such as credit cards, consumer installments, etc. A diverse credit history can demonstrate your ability to repay and credit stability.

4. Consult credit institutions: If you find errors in your personal credit report or have questions about your credit situation, you can consult credit institutions to understand specific repayment issues and loan records.

Huabei and borrowing are both on the credit report, and the details are looked at separately:

1. Huabei on the credit.

It can be seen from the Huabei service upgrade that you can continue to use Huabei normally after upgrading, and you cannot use Huabei without upgrading it, which is a mandatory requirement, and the purpose of the upgrade is to obtain the user's credit authorization and report the use of Huabei to the credit information system of the People's Bank of China to meet the requirements of the national credit investigation management department.

2. Borrow credit information.

As a loan product of Ant Group, Borrowing will be reported to the credit investigation system in a timely manner in accordance with the relevant regulations of the People's Bank of China, and only truthfully feedback the user's historical usage records.

Therefore, Huabei borrowed the credit information, this is the answer.

If you are not clear about your online loan application, you can try to get a big data report on "Xiaoqi Xincha", check your detailed loan records, and then confirm that it is your own loan, at this time, you should pay off all the money you owe and then contact the customer service of the corresponding platform to let them deal with it and see if the online loan blacklist can be eliminated.

Huabei and borrowing are used normally, and the normal repayment will not be on the personal credit report, and the credit report will be on the credit if it is overdue. The situation is as follows:

1) Choose to repay according to the minimum repayment of Huabei: it will not be on the credit report;

2) Choose to repay this month's Huabei bill in installments: it will not be on the credit report;

3) Choose to wait for the overdue, but don't pay it back: it will definitely be on the credit report.

1. Huabei's special quota raising channel, but this situation is limited to the special quota raising channel that Ant Huabei actively invites users to participate in. If the user agrees, the user's Huabei quota will be greatly increased, and every Huabei record used by the user will also be credited.

2. The amount of borrowing is more than that of Huabei, and the use is more flexible, and the amount can be withdrawn directly to the bank card. Therefore, the assessment of borrowing is more stringent than that of users. Borrowing is different from Huabei, as long as the user uses it, each loan will be recorded in detail in the credit report, which is undoubted, just like the road you have walked will leave footprints.

If the borrowing is overdue, it will be the same as the overdue Huabei, which will directly lead to credit black.

Extended information: 1. What is credit reporting? Credit investigation is a Chinese word, pinyin zhēng xìn, which means to collect, sort, preserve, and process the credit information of natural persons, legal persons, and other organizations in accordance with the law, and to provide credit reports, credit assessments, credit information consultations and other services to help customers judge and control credit risks, and carry out credit management activities.

From "The Eighth Year of Zhao Gong"."The words of a gentleman are believed and signed, so the resentment is far away from his body"。Among them,"Believe and sign"That is, it can verify the trustworthiness of its words, or solicit and verify credit.

2. Credit reporting is an activity in which a professional and independent third-party agency establishes a credit file for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law, which provides a platform for credit information sharing for professional credit institutions. 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.

Borrow. At the meeting, Huabei.

It will not be on the credit report. Although Huabei will not go to the central bank.

However, if Huabei is overdue, it will affect the evaluation of Sesame Credit. Sesame Credit is Alipay's credit evaluation system, which affects the comprehensive evaluation of all Alipay's credit products. Huabei overdue will also lead to a decline in Sesame credit score, which will lead to borrowing and reserve funds.

and other functions are restricted.

What behaviors affect personal credit reporting?

1. The credit card is overdue. Failing to make a payment on time after a credit card payment is due, or not meeting the minimum payment amount.

2. The loan is overdue. Some of the loans are overdue, and some will not be on the credit report. For example, bank loans, some small loan companies, online loans, etc. will be on the credit, although some loan companies do not go on the credit, but we should not have a fluke mentality, once the overdue loan company is also likely to cooperate with other financial institutions connected to the credit system, the overdue record uploaded.

3. Overdue caused by third-party guarantee. If you have made a loan guarantee for someone else, although you are not repaying the loan, if the borrower is overdue or does not repay, the personal credit of the guarantor will also be reflected.

4. Overdue caused by fee adjustment. Some bank interest is floating, especially for housing loans, if the interest on the mortgage is raised, the owner still repays according to the original repayment amount, which is easy to cause overdue.

5. Overdue due to credit card annual fee. Some credit cards have an annual fee, and most banks will incur an annual fee after you open the card, and the annual fee can only be waived after a certain number of purchases; Some people think that as long as they don't use the card to consume after opening the card, they don't need to pay back, but in fact there will be an annual fee.

Bad credit records caused by social behavior

1. Tax arrears. Personal income tax is included.

and other income tax payable.

2. Civil judgment records. If a civil lawsuit is involved.

After the court judgment is issued and issued, if it is not executed on time, the court will upload the act to the personal credit report.

3. Enforcement records. Court enforcement, will also be uploaded to the personal credit record.

4. Telecom arrears records. **Arrears seem to be a trivial matter, but if you don't pay the arrears for a long time, the telecommunications department will also upload this behavior to the personal credit record.

5. Administrative penalties.

If the punishment is not fulfilled on time after being administratively punished, the administrative agency will also upload this behavior to the personal credit report.

6. Subway fare evasion. Do you still have to go to the credit report for subway fare evasion? You read that right, the current Shenzhen subway.

It is already being implemented, and once the fare evader is caught, it is likely to be uploaded to the personal credit reporting system.