Will learning before overdue repayment affect credit reporting?

Yes, if you don't take the course after finishing it, it will affect your credit history. The credit bureau will record your overdue situation and reflect it in your credit report. This will have a negative impact on your future credit evaluation, and may lead to your being rejected by financial institutions such as banks and credit card companies for loans or credit card applications. Therefore, it is suggested that when choosing a course of study, we should consider our own economic ability, choose the appropriate payment method, ensure timely repayment, and maintain a good credit record. Don't understand the terms of the contract, afraid of affecting the credit information, and the refund request is fruitless? Be wary of the "training loan" trap for college students? Although the monthly living expenses are only 2,000 yuan, Yang Yun, a freshman from Hefei, Anhui Province, has been living in poverty for the past six months. Because 880 yuan wants to transfer to a small loan platform, she doesn't even handle this loan herself. ? Pay 880 yuan 12 installments every month, and the total cost is 10560 yuan, which is the "tuition fee" of Yang Yunbao's online original painting training class. After listening to a live class, Yang Yun signed the loan agreement step by step with the "encouragement" of the training institution "teacher". ? A few days ago, Yang Yun, who repeatedly failed to apply for a refund, submitted a complaint to the National 123 15 platform and the State Bureau for Letters and Calls through his lawyer, and is currently waiting for the result. The training institution didn't respond to her complaint. ? Yang Yun's experience is not a case. ? According to a survey conducted by China Youth Daily and China Youth Network, many inexperienced college students are attracted by various online training courses: painting, PS, editing and dubbing. Zero foundation can also be easily studied, taking orders while learning, and institutional teachers introducing resources. For college students who have no savings, it is easy to earn more than 10 thousand a month. Many training courses are also advertised as "learning first and paying later" and "interest-free installment", and the microfinance platforms behind them are even more varied. ? On March 30th, the China Consumers Association and the Central Committee of the Communist Youth League issued a consumption warning to remind young students and consumers to spend more rationally and choose lending institutions carefully to avoid falling into the trap of bad "campus loans". ? Many college students have become the "leeks" that bad businesses focus on harvesting. Why do they fall into the trap step by step? ? "Learn first and pay later" and "interest-free installment" to guide the loan step by step? In late August last year, Yang Yun, who was about to enter the university, considered finding a sideline job. "After finishing college, I won't have to ask my parents for money." . I accidentally browsed to an original painting course recommended by WeChat official account. She was attracted by the conditions of "part-time job" and "study first and then pay" and added the WeChat of the course leader. ? After a course introduction, the person in charge invited Yang Yun to participate in the live broadcast open class that day. Yang Yun recalled that the open class introduced many different styles of original painting creation, as well as the preferential activities registered that day, and she was tempted. But for the high "tuition", as a student, she can't bear it herself, and parents should not agree to spend so much money to learn painting. ? In the chat record provided by Yang Yun to the reporter of China Youth Daily and Zhongqing.com, the person in charge introduced to her in detail the way of "earning while learning": "The tuition fee is interest-free in installments, and the first installment will not be paid until next month. We also outsource and promote, and earn while learning. You can also learn from the low class first, then take orders to make money and then go up. " Immediately, he offered Yang Yun a discount of "100 yuan free of reservation fee" and asked her to fill in "admission information", including name, highest education, QQ number, mobile phone number, ID number, mobile phone number of emergency contact person, etc., and noted that "this information is only used for registration and will not be used for other purposes". ? "He said don't worry about the cost. I said I had no money to pay the deposit, and he also applied for a free reservation fee for me. I really believed it at the time and felt that there was such a good company. " Yang Yun told reporters that after she decided to sign up, the person in charge called to tell her how to pay the tuition by installments. ? "The operation was carried out with his help. He asked me for personal information such as name, telephone number and home address, and left the bank card number and ID number. I was actually a little hesitant at that time, but I thought it was disrespectful to call others liars on the phone. I thought, what if he is not a liar? " Yang Yun decided to "be the first to be strong" and went online to inquire about the company that launched this training-Guangyuan Painting Animation Culture Development Co., Ltd. "I was relieved to see that Baidu search wrote the word' reliable'." ? Finally, Yang Yun chose 12 installment. After completing the formalities, the other party sent her four documents: authorization for entrusted deduction, authorization for withholding, loan contract and entrusted guarantee contract. At this time, she discovered that paying tuition by installments was a loan. ? Like Yang Yun, Qing Liu, a freshman from Zhaotong, Yunnan, likes painting very much. After she added an organization's "teacher" WeChat through online advertising, she bought a series of courses on commercial illustration and handled the "tuition" installment. ? Qing Liu told reporters that the "teacher" promised to "take orders to make money after studying for three months", which was too tempting. "She also told me that there are one-on-one tutors and the class teacher supervises the study". So, under the guidance of the "teacher", she paid a deposit of 100 yuan and booked the number of courses. ? "I didn't want to report when I paid the deposit, but the' teacher' said that the deposit of 100 yuan would not be refunded, saying that the deposit could be converted into tuition, and led me to pay the deposit of 200 yuan." Qing Liu said that when he suggested that he had no money to go to work, he was told that he could pay by installments, about one month in 400 yuan. ? "I heard that I had to pay by installment, so I promised to sign up for class, but in fact, this 400 yuan accounted for nearly half of my living expenses." She said that through the link shared by the other party, she filled in information such as name, mobile phone number, ID number and home address, and handled nine installment loans on a certain platform. ? Through advertisements on social platforms, the reporter randomly added a consultant WeChat of illustration training class and made an appointment for the free "Popular Teacher Training Camp" that night. ? After the two-hour live broadcast class, the staff introduced the tuition fee, saying that "we can support 12 installment, without extra interest, and we can use credit cards and flower beds." He also said, "Beginners can take orders after learning for about three months. In this society, illustration is a basic design skill. Full-time is a high salary, and the salary of recent graduates is 6000-8000 yuan. " ? She has been suspended for more than five months. Is she still paying the loan? After attending the course for one month, Qing Liu felt that "the quality of the course is not good, and most of them are works evaluation". She wanted to refund the remaining course fees, but was rejected. She said frankly, "They said at first that they would not refund the deposit. Later, they said they could help me suspend classes, and then I wanted to learn and continue listening. Seeing this attitude, I gradually realized that I was cheated. " ? The negotiation was fruitless. Although Qing Liu has stopped classes, the loan continues. Afraid of affecting the credit information, she "can only continue to repay the loan." ? When Yang Yun felt "struggling" to learn PS skills, he also proposed to drop out of school. The other side encouraged her to stick to it. "I was also thinking, this is what I want to learn, how can I give up easily?" ? So, she persisted. However, the ensuing military training in universities and busy studies left her too busy to take care of online courses. With the development of anti-fraud publicity and other education in schools, she gradually realized that she had encountered a trap. ? On June 5438+065438+ 10 last year, she formally proposed to withdraw from the class again, but the other party said that according to the signed contract, the fee could not be refunded. "I didn't quite understand the contents of those contracts at that time, and I was afraid that overdue repayment would affect my personal credit information and affect my future life. If you want to pay back the money when it's a big deal, I will consider myself a loss. " ? Yang Yun showed these electronic documents to the reporter of China Youth Daily and China Youth Network. The reporter found that although the course sales company is an original painting animation culture development company in Guangzhou, its loan platform is an online microfinance company in Zhejiang. ? Eye of the Sky survey shows that in the past year, this original painting animation culture development co., Ltd. was sued for five court announcements, all of which were "education and training contract disputes". In the black cat complaint platform, complaints against the above companies and platforms continue to occur. ? On the social platform, there are also many college students who have registered for online training courses and been induced to lend by installments, including many young people who have recovered their "tuition fees" through complaints. ? Many deceived college students claim that these complicated contract terms are their "blind spots" and become a "magic weapon" for training institutions to cut off refund requirements. ? Zhang Song, a senior student in Xi 'an, is luckier than Yang Yun and Qing Liu. He has already recovered his "tuition". ? Because of his good voice condition, he signed up for a dubbing training class of an organization. When signing up, the other party said that tuition fees could be paid in installments. However, after the course started, he found that the quality of the course was not high. "There are only one or two actual courses, and the latter courses are very watery." ? When he proposed to drop out of school, the other party also came up with a routine, "either postpone or transfer to other courses." But in the end, he got his tuition back with the help of the local police. ? After more than five months of stopping classes, Yang Yun is still repaying the loan. This made her regret it. "I have no living expenses during the winter vacation. I even put in my birthday red envelope and lucky money, but it's still not enough to repay. I dare not ask my parents, but I can only borrow money from my brother and sister, which makes my sister ignore me now. " ? "It is said that college is the first step into society, but I stumbled before I started my college life." Yang Yun said helplessly, "If this appeal is unsuccessful, I will work in the summer vacation to make money and repay the loan." . ? Do all social forces need to pay more attention to bad "campus loans"? The recent consumer warnings issued by China Consumers Association and the Central Committee of the Communist Youth League mentioned that there are also serious hidden dangers behind the popularity of "campus loans". On the one hand, there are a series of problems in the current "campus loan" market, such as low threshold of loan business, uneven qualifications of operators, weak identity verification, opaque contract information, insufficient risk warning and so on. On the other hand, college students are not fully mature, have strong material needs and are curious about the unknown, but they have poor self-control ability, weak awareness of risk prevention and lack of social experience, so they are easy to fall into the trap of criminals. ? Although the mode of "learning first and paying later" has been widely used in the education industry, educational institutions need to rely on third-party financial institutions, loan companies and other platforms to realize "learning first and paying later", and the legal risks involved need to be vigilant. ? Jin Lin, a lawyer of Beijing Shi Jing Law Firm, believes that an educational institution like Yang Yun, under the guise of "learning first and paying later", is actually luring students to borrow money on the microfinance platform, which is suspected of both false propaganda and consumer fraud. "If the personnel of education and training institutions use coercion to force consumers to buy course services, or do not allow consumers to withdraw from classes or refund fees, and ask consumers to continue to receive services, they will also be suspected of forcing transactions." Jin Lin reminded that if an unfair contract with "overlord clause" is signed by mistake without paying attention, the other party's illegal behavior can also be pointed out. If the other party ignores it, it is suggested to report the complaint to 123 15, online petition, industrial and commercial administration department, local financial supervision bureau, etc. Have relevant evidence, such as chat records, transfer records, signing contracts, etc. In addition, you can also bring a lawsuit to the court to safeguard your rights through litigation. ? In view of the problem that college students are concerned about whether non-performance of repayment will affect personal credit reporting, Jin Lin said that whether lending by small loan companies has an impact on credit reporting depends on whether lenders access the central bank's credit reporting system. "Without a platform to access the credit information system, the access requirements are generally not met. The loan interest of such platforms is much higher than that of other platforms, and vicious incidents such as violent collection often occur on such platforms. China severely cracked down on high-interest loans and violent collection, so don't use such loans to evade them. ? She also said that if complaints and reports to consumer associations, black cat complaint platforms and other public welfare consumer complaint platforms still cannot solve the problem, or the amount of fraud is large (such as more than 3,000 yuan), it is recommended to defend rights through legal channels, file a lawsuit with the court or report to the public security organs. ? Bad "campus loans" are also constantly renovating scams and traps to meet the consumption needs of college students. The Central Committee of China Consumers Association and the Communist Youth League called on all sectors of society to pay more attention to bad "campus loans", actively build a multi-party collaborative governance pattern, improve the industry access and operation supervision system, clarify the industry access threshold, improve the industry risk prevention and control mechanism, investigate and rectify illegal institutions, and provide customized, standardized, safe and transparent financial products and services with controllable risks for college students.