How long has the address book expired?

Generally, the address book will explode in a day or two to six months, depending on the specific situation.

After the deadline, collections generally do not directly open the detailed list one by one. Banks, formal lending institutions, and platforms generally send text messages or call customers themselves to remind customers of repayment when they are overdue, and generally do not contact people in the customer's address book.

And some unknown small loan companies may contact people in the customer's address book if the customer is overdue. In addition, if the customer is overdue for too long, banks and formal lending institutions and platforms may outsource to third-party collection companies for collection, and some third-party collection companies may also contact people in the customer's address book when collecting.

Overdue online loans will also affect users' online black index scores, if the online black index scores are too low. The low score of the Internet Black Index will not only affect the mortgage success rate, but also affect the users' flower beds and flower beds, and even lead to the closure of flower beds and flower beds.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: sky data. Click "Query" in this small and micro program, and enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their big data and credit status, obtain various indicator data, and query their personal credit status, blacklist status, online loan application record, application platform type, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.