What does credit notification SMS mean?

It is not valid for a personal mobile phone to receive a credit notification message, because at present, the credit reporting agency will not take the initiative to send a message to the user. Let's take China People's Bank as an example. In official website, it has been made clear that information individuals will not be notified by SMS, telephone or email, so it is false for everyone to receive such news.

In addition to the People's Bank of China, as a non-governmental organization, Baixing Credit Information will not send text messages to debtors in this way. Because the role of the credit reporting agency is to record information, not to be responsible for the collection task of the platform. Therefore, people who owe money receive similar text messages, which are basically fake and need to be cautious.

How to use mobile phone to inquire about credit information

1. Download and install the China Bank APP, and click "Credit Inquiry" in the "My" interface;

2. Click "Apply for Inquiry";

3. Enter the application interface, "Check the Agreement" and click "Next";

4. Enter the confirmation information interface and click "Confirm".

5. Submit successfully, wait for the application result, and check it in the credit information interface.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Application version: v7.2.4

How to recover bad credit information?

1. Please also pay the arrears: pay off the arrears as soon as possible after the overdue time is found, so as to avoid the overdue time being too long.

2. Face it positively: No matter whether the bank is overdue or the lending platform is overdue, everyone should face it positively. Selling cards and uninstalling apps will not help. After overdue repayment, it is necessary to maintain a good credit record, spend normally, repay on time, and cover the bad credit record with a good credit record for about 2 years, so that a relatively good credit report can be provided.

3. Repair credit information: Keep a good credit information for five years, and the new record will overwrite the bad record, and the bad record will be automatically eliminated after five years. At this time, you must repay the loan on time, and don't be late again to prevent it from falling short. Under normal circumstances, lending institutions and banks will pay special attention to the credit performance within two years, and it is basically not a problem to apply for a card after two years.