Why is it that there is no loan, but there is news from Yunnan Rural Credit Cooperative that the loan interest needs to be repaid, 870 yuan?

First, why is it that there is no loan, but there is news from Yunnan Rural Credit Cooperative that it is necessary to repay the loan interest?

Generally speaking, it is not the bank number but the false information, which is made by individuals; If it is really a bank number, you can go to the bank to check whether anyone has used an ID card or a credit loan.

Second, the "positive information" negative information of the credit report: the information that the repayment has not been made according to the contract.

1, how to record personal credit:

Personal credit comprehensive record is a file reflecting personal credit status and a basic product of personal credit information basic database. In order to make the structure clear, the content of the credit report is divided into several parts according to the type of information.

Each section is a section, and each section is further divided into several sections. A single credit report consists of a credit report name and a credit report content. The credit report includes the beginning, text and description of the credit report.

2. What does a bad credit record mean? This belongs to the limitation of personal credit record. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, that is, credit stain.

Different banks have different approval standards for personal credit records. With the change of time, the economic situation and repayment situation of consumers will also change. Banks will not always pay attention to consumers' early bad credit records.

Extended data:

Query method:

In foreign countries, negative records are generally kept for 7 years, bankruptcy records are kept for 10 years, positive records are kept for longer, and inquiry records are generally kept for 2 years.

Individuals can query their credit reports in two ways:

First of all, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will check it with his own credit report.

Second, you can consult the credit management department of the People's Bank of China.

In addition to users, only commercial banks can directly query users' credit reports when handling loans, credit cards and other business and post-loan management, and must obtain users' written authorization in advance.