Have you borrowed it from Hengxin Li Yong for three years?

If you borrowed Hengxin Li Yong, you haven't paid it back for three years. If you borrow a loan, you must change it. Otherwise, you will face the loss of credit, and the collection of loans will affect your normal life and travel.

1. Does Hengxin Wynn have a credit report?

Hengxin Li Yong can't get credit information, but users should repay the loan on time, otherwise the platform will use various methods to collect the loan. The common method is to call friends in the borrower's address book and ask them to urge you to repay the loan. This collection method will seriously affect your normal life and reputation. There will be penalty interest after Hengxin loans overdue. The longer the overdue period, the more penalty interest. At this time, the user's burden of repaying the arrears will increase, the user will not always repay the arrears, and the arrears will always exist. Therefore, users must repay on time after borrowing, otherwise it will be quite unfavorable to individuals.

Second, can online loans that do not receive credit information really not be repaid?

Loans overdue's credit investigation will affect future loan applications. Online lending platforms also have online lending blacklists, which can be interoperable on major platforms. In other words, if you have a record of overdue repayment on a certain online lending platform, your bad record can also be seen on other platforms. Moreover, many online lending platforms also access third-party credit information such as Sesame Credit and Koala Credit Information. If the borrower has a bad repayment record, it will affect the credit score of the third-party credit investigation. Once you "overdraw" your personal credit, it will be difficult to apply for a loan in the future. Even if the approval is successful, it will affect the corresponding loan interest rate and loan amount.

In addition, since the online lending platform dares to lend you money, there will naturally be a collection method that does not pay back the money. If the borrower's repayment is overdue, the online lending platform will first call or send a text message to inform the borrower to repay as soon as possible. If the borrower still fails to repay the loan, it will be collected. Call or send a text message to collect the money first, and then "gently persuade". For borrowers who still refuse to repay after collection and have a bad attitude, online lending institutions will start bombing the address book and calling your family, friends and even colleagues. If the loan amount is huge, the online lending institution will come to collect it and even sue you in court, so that you not only have to repay the loan principal and interest, but also risk going to jail.