Do you collect credit information at the Baiqian financial conference?

Baiqian Finance obtained credit information at the meeting. Baiqian Finance has been connected to the credit information system of the central bank. If it is overdue, it will be directly registered in the credit record. No matter whether you apply for installment loan or cash loan in Baiqian Finance, as long as it is overdue, you will not only be charged overdue fines every day, but also upload overdue records to your personal credit report, which will affect your personal credit. Credit information usually refers to the central bank's credit information center. At present, credit card default and loans overdue are the main blacklists. At present, it has not been included in the national credit information system, and eight private credit information enterprises have been authorized to prepare for credit information. Presumably, in the near future, the credit of various credit companies will also realize national networking. After the deadline, bad records will be recorded in the company's credit information system.

1. How often is the bank's credit information updated? The general bank's credit information is updated once every two months. The specific update time is based on the time when the banks report the data to the Credit Information Center of the People's Bank of China, but most banks will report it at the beginning of the month. After the bank reports the new record information, the credit center will update the personal credit report in about seven working days. If you want to check the loan records in May, it may take June or even July, and the credit report cannot be updated in real time.

2. How long is the credit overdue? Three days. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. The bank won't make any bad comments on your usage records, but only truthfully feedback your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If it is terminated by a card, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.