If you don't pay the liquidated damages freely, will it affect your credit information?

If you don't pay the liquidated damages, if you are sued, the court ruled that if you still don't pay, you are likely to be executed and blacklisted as a faithless person.

The central bank's personal credit report has always been an important basis for banking lending. With the advent of the Internet finance era, some P2P platforms also require the borrower's personal credit report to be audited, which will be affected if it is overdue.

The Supreme People's Court, that is, "Lao Lai" (faithless person), proposed that it would take two to three years to basically solve the problem of difficult implementation. At present, the executive court can directly inquire, freeze or deduct Lao Lai's financial assets such as accounts, bank cards and deposits in any bank in the country.

In addition, "Lao Lai" is also restricted to take high-speed trains and planes, buy vehicles that are not necessary for business, buy real estate or decorate houses, and even some dating websites will dock personal credit.

At the same time, the network credit based on the Internet credit information system began to play an increasingly important role. Many Internet platforms have built credit scoring systems with their own big data. Once financial institutions cooperate with these institutions with personal credit information business, they can obtain credit information data. Maybe even if you have a good credit record in the banking system, you can't get the demand for financial services in this financial institution.

It is recommended to maintain good credit habits.

Is it illegal to publicly publish the overdue customer list on the Internet?

It depends on the relationship between the information publishing platform and the online lending platform. Before the loan, the customer will generally sign an agreement with the online lending platform. In case of breach of contract, the platform has the right to release relevant untrustworthy information. In this regard, it is not against the law for the online lending platform to entrust a third party to publish a list of untrustworthy. But that doesn't mean there is no problem. "This may involve the impact on the reputation of lenders. Although these unreliable data will not have a huge impact on personal credit information, many units and institutions should learn from the credit information data of the Internet before lending and handling business. So it goes without saying what impact these data will have in the future. Therefore, it is very important for college students to maintain good credit habits.

Before making loan consumption, college students must strengthen their self-identification ability and calculate whether the expenses are within the tolerance range; At the same time, we should carefully read the corresponding agreements and rules; If it is really difficult to repay the loan on time due to economic pressure, it is also necessary to communicate and coordinate with the platform in time to avoid the spread of default information on the Internet, which will have an unnecessary impact on its reputation and credit reporting.