The full driver loan cannot be credited.

The probability of credit reporting on a full driver's license loan is very high. Full driver loan will appropriately reduce the comprehensive credit score according to the borrower's overdue behavior.

For overdue drivers, Yunman Driver Loan Association will arrange staff to make telephone and SMS notifications. If the overdue situation is particularly serious, the borrower may be sued by the driver in Qian Duoduo.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.

The new version of the central bank's personal credit information system was put into operation, and the "validity period" of overdue records was officially set at 5 years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.

Because the relevant departments have not clearly stipulated the limitation of negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

If it is recorded in the credit report that you borrowed money but didn't repay it, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to provide you with loans. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, fearing that you have too much debt burden and may refuse to provide you with more loans.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.

The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.

The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and the whole world, it will be extremely difficult for one party to know the credit status of the other party.

At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.