Is it true that Guilin Express Loan said it was verified at home?

Guilin Express Loan said that door-to-door verification was not true. It is generally not true that online loans send text messages or call home after the deadline. Regular lending institutions will not take the more radical collection method of door-to-door collection. Even if a third-party agency collects fees, it is laborious to collect fees at home, and it is not compliant. This collection method is generally not used. Loans overdue will go to the credit bureau and repay the loan beyond the grace period. The retention period of personal bad information by credit reporting agencies is 5 years, counting from the date of termination of bad behavior or events, and those exceeding 5 years will be deleted.