Is it easy to borrow credit information?

As Yi Hao Loan is a small loan platform on the Internet, when users are overdue or fail to repay their loans, they can't inquire about the credit information from the central bank for the time being. However, for users with particularly serious situations, the possibility of credit investigation is not ruled out. Therefore, when users use this loan product, they must repay it on time. So as not to adversely affect your credit.

At present, many small loan platforms do not have credit information because small loan platforms do not enjoy the rights owned by financial institutions such as banks. Of course, with the development of big data, major lending platforms pay more and more attention to personal credit. As a result, third-party credit rating agencies came into being. Therefore, not going to the central bank's lending platform for credit investigation does not mean not going to a third-party credit rating agency. Once there is a problem with personal credit, it may lead to the inability to borrow money from other online lending platforms.

If the user is overdue when using E-Loan, at the beginning, the official will generally notify the user by SMS that the arrears have not been paid off. At this point, if the user still ignores it, the platform will call the user and even collect it at home. Therefore, if users don't want to bring more trouble to themselves, they must repay on time.