360 can't get credit information

Credit information on 360. 360 has been connected to the central bank's credit information system.

However, there is a grace period for 360 IOUs, and repayment within 3 days within the grace period will not affect the credit history. Overdue records exceeding the grace period will be truthfully reported to the central bank for credit information, which will affect the subsequent credit business. It is suggested that borrowers develop good credit habits.

It should be noted that:

1. Before applying for a 360 IOU, everyone should estimate their repayment ability and decide the loan amount on this basis to avoid the situation that the repayment amount exceeds their repayment ability.

2. When setting the repayment prompt information with the mobile phone, it is best to start preparing the corresponding funds three days before the final repayment date.

3. For friends who have insufficient repayment ability but need a lot of loans, it is recommended that you choose 12 month installment repayment. Although this will pay more interest, it can greatly alleviate the short-term repayment pressure and avoid overdue credit information.

4. Once loans overdue is found, contact the customer service staff of 360 IOUs immediately, explain the reasons for overdue, agree on the repayment time, and avoid credit investigation to the maximum extent.

Article 16 of the Regulations on the Administration of Credit Information Industry

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.