Is the credit information notification SMS true?

Generally speaking, it is not valid for a personal mobile phone to receive a credit notification message, because at present, the credit reporting agency will not send information to the user on its own initiative. Let's take China People's Bank as an example. In official website, it has been made clear that information individuals will not be notified by SMS, telephone or email, so it is false for everyone to receive such news.

In addition to the People's Bank of China, as a non-governmental organization, Baixing Credit Information will not send text messages to debtors in this way. Because the role of the credit reporting agency is to record information, not to be responsible for the collection task of the platform. Therefore, people who owe money receive similar text messages, which are basically fake and need to be cautious.

Personal credit information should pay attention to the following points:

Be sure to return the credit card in time. If you don't pay off the bill, even if you sell the credit card, it will still be in your bad credit;

Credit card overdue, mortgage and other loans should be paid off in time, and overdue loans will be recorded. If it is overdue for more than 90 days, it will be even worse for your personal credit. Banks will score lower when evaluating your personal credit;

Don't vouch for anyone! If others do not pay back the money, it will also affect your personal credit. Therefore, don't think that you can guarantee others without money. You are also responsible for others running away! Whether it is overdue will be clearly listed in the table below.

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 the requirements of users. 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.

What are the advantages of good credit reporting?

Loan, credit card

If personal credit information is good, it can be said that loans and credit cards are handled smoothly, especially micro-credit loans. Credit information is very important. Most importantly, banks can not only handle loans and credit cards quickly, but also give preferential treatment in terms of quota and interest rate.

High loan amount

If your debt ratio is low and your credit information is excellent, and the bank is willing to lend you more money, you are a quality customer, with both repayment ability and urgent need for money. For example, you can apply for a credit loan at China Merchants Bank up to 300,000 yuan, but you must have a good credit record. Ordinary bank credit loans are mostly several thousand yuan.

Mortgage is easy to pass.

Whether you apply for bank loans or provident fund loans, you need to review the credit report. If you are rejected because of poor credit information, the consequences will be very great, which will seriously affect the progress of buying a house. You know, house prices are rising day by day, and it will be money that will be lost for a while. You can't buy good credit information.

In a word, because credit information not only truthfully records a person's personal data, but also includes credit records, records of violations of laws and regulations, etc. It is the most direct way to know whether a person has economic strength and is honest and trustworthy to repay the loan on time. Only people with good credit information can successfully pass the institutional loan.