Is it credible to send SMS warning to 100 banks? People who are warned should pay attention.

We all know that overdue repayment will collect credit information, which usually refers to the credit information of the central bank. Many people don't know much about the credit information of hundreds of banks, and some people have received SMS warning and don't know what to do. The following will help you solve your doubts.

Baixing Credit Information is a personal credit information agency led by China Internet Finance Association under the supervision and guidance of the People's Bank of China. Its shareholders include eight companies including Sesame Credit, Tencent Credit, Zhongcheng Credit and Koala Credit. In essence, it is a profit-oriented enterprise, and it is also the first company with a personal credit business license in China.

In fact, it is mainly aimed at p2p lending-related businesses other than traditional financial institutions such as banks, insurance and securities, but besides financial data, the business also extends to the data of transactions such as life and e-commerce, so that the comprehensive information score of borrowers can be comprehensively analyzed.

Generally speaking, such notification messages are generally not true. In fact, the meaning of credit reporting by 100 banks is the same as that of credit reporting by the People's Bank of China. It only records credit data, and the official will not send short messages to users, especially the notice of overdue users' collection and prosecution, which is basically impossible.

Because regular credit reporting agencies generally do not inform overdue users of collection, prosecution and other links. The reason why users receive similar text messages is mainly because the platform urges users to repay early. However, despite this, it is also a formal credit reporting agency, which will have some adverse effects on later loans. Some online lending platforms will check the credit information of 100 banks.

In addition, if it is true that the overdue time is long and the amount involved is relatively large, it may be true. Especially in order to crack down on debt evasion, many platforms do punish debtors through court prosecution and Internet arbitration.

Finally, in this case, you need to reflect on yourself first and pay back the arrears. In addition, no matter how big the problem is, you can contact the lender for consultation. If sued and an agreement is reached, the arbitration can also be cancelled.