What is it like to be inspected by Bank of Ningbo for no reason?

I got a call from Bank of Ningbo 95574 today, saying that the credit loan is true?

95574 is the national unified customer service hotline in Bank of Ningbo. But this is a routine, don't use it indiscriminately.

Now many banks will publicize their loan business through various channels, such as sending text messages and making phone calls. Everyone should know that many banks do promote loans, credit cards, insurance and other businesses by telephone, among which Ping An Bank is the largest, but other banks will do the same, such as Ningbo.

Usually, people who get a call from Bank of Ningbo saying that they have a loan will be invited to Bank of Ningbo to apply for a loan directly. This is a consumer credit loan, unsecured, with a maximum amount of 200,000, a validity period of three years, aged 20 to 50, with good credit and stable work income. If you receive a phone call, it means that you are a white list customer in Bank of Ningbo, but if you agree to apply for a loan directly on the phone, you may not succeed. Finally, a comprehensive bank assessment is needed. Usually there will be results on the day of application, and there will be SMS reminders whether it is passed or not.

Here, I would like to remind you that Bank of Ningbo will also check the credit information when calling for loans, and bank loans have strict requirements for credit information. For example, if it is illegal or overdue, it is basically difficult to pass the credit information. You'd better know your credit situation first, and then decide whether to agree to the loan, so as to avoid increasing the inquiry record of loan approval in the case of poor credit information.

1. Definition: Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to users' requirements.

Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law. By the end of 20 15, the database had recorded 870 million natural persons, of whom 370 million had credit records.

Two. Function: At present, credit reports are mainly used in various consumer credit businesses of banks.

With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

III. The main factors that may affect the personal credit risk score are: repayment by loans overdue, or failure to repay by the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Fourth, credit information:

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers; 5. Other information related to personal credit.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved. The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.

Bank of Ningbo Wan Li Gold Card found abnormal credit cards six times in half a year.

Bank of Ningbo Wan Li Gold Card checks the credit card for six times in half a year, so it is necessary to deal with the abnormality. Personal impact of overdue card (card is abnormal due to overdue card): After a long time, it will definitely affect your central bank's credit investigation. Once the central bank's credit information leaves a stain, it will take five years to eliminate it.

The text message said that I had a credit report. What was the situation then?

Is it true that netizens receive such a short message notification?

"Incorporated into the second-generation credit application of the untrustworthy executor and approved within 6 hours. Applications for freezing all assets under the name (including WeChat, Alipay, social security, etc.). ) and the application to submit the "National Network of Untrustworthy People" cannot be eliminated for life, and future generations will go to school and join the army. "

Counselor, analyze it in detail.

1. Please visit the website of Credit Information Center of the People's Bank of China for questions about credit information. The positioning of credit information system is the basic database of financial credit information established by the state. Therefore, credit information only records financial data.

At present, there are scrolling subtitles on the homepage of the credit center website, and the credit center will not inform the relevant information of loans, money or blacklists through SMS.

SMS notification and credit investigation will freeze all assets, which obviously does not meet the positioning of credit investigation. The Credit Information Center will not freeze any assets.

2. The problem of untrustworthy personnel is recorded and inquired by the court website "China Executive Information Open Network".

The premise of being an executed person with bad faith is that there is an effective legal document, and the executed person fails to fulfill the obligations stipulated in the legal document, which is one of the circumstances stipulated in Article 1 of the Supreme People's Court's Several Provisions on Publishing the Information of the List of Executed Persons with Bad Faith. The court will include the executed person in the list of executed persons with bad faith and publish it through the website.

Based on the above procedures, submitting SMS notification to the national untrustworthy network does not comply with legal procedures. In the absence of prosecution and judgment, you can't apply to the court for the person who is untrustworthy, let alone directly apply to a website for the person who is untrustworthy.

Can dishonest records be eliminated?

The record of dishonesty can be eliminated. As long as the obligations of legal documents are fulfilled, they will be eliminated in time, not for life.

Does the record of dishonesty affect future generations' further studies and employment? Join the army?

The record of dishonesty has no image for future generations and will not affect children's further education, employment and joining the army.

Based on the sharing of the above knowledge, I hope that friends who encounter the same situation can easily distinguish the truth of this notice of dishonesty and can easily see through lies. If you still don't understand, please leave a message and ask questions, and we will continue to explore.

Why is there a Bank of Ningbo in the personal credit report?

Bank of Ningbo was included in the personal credit report because the user applied for a loan approved by Bank of Ningbo. Users can judge which loan they applied for is approved by Bank of Ningbo by the application time and loan amount, and the repayment records and overdue records of subsequent users will be uploaded to the credit information from Bank of Ningbo. Therefore, users must pay attention to repayment on time when applying for loans with credit information.

In addition, the record of timely repayment will not affect personal credit information, which will become a part of personal credit information and help users accumulate good credit records.