The following online loans will be credited:
1, credit card repayment type online loan:
Laka loan, card loan, small win card loan, repayment, etc.
2. Commercial bank products:
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Sui Xin Loan (China Bank), etc.
3. Products of first-line Internet companies:
Online business loans, JD.COM gold bars, micro-loans, loans, Baidu's money, Suning's free payment, Netease's small loans, etc.
There is only one way to know which ones are on credit and which ones are not-look at the comprehensive rate. If the comprehensive rate is less than 24%, you must be on credit. If the comprehensive rate is higher than 36%, you will definitely not open credit. There are only a few in the middle, so you'd better check them before using them.
Extended data:
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 reporting agencies to enjoy credit reporting.
2065438+May 2009, the new version of personal credit information was officially announced, and the length and fineness of credit information will be further improved.
Second, what online loans are there now?
The following online loans will be credited:
1, credit card repayment online loan types: Raqqa loan, credit card loan, Xiaoyun credit card loan, repayment, etc.
2. Commercial bank products:
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Sui Xin Loan (China Bank), etc.
3. Products of first-line Internet companies:
Online business loans, JD.COM gold bars, small loans, borrowing money, spending money, Suning paying at will, Netease small loans, etc.
3. What are the small loans for credit reporting now?
Just go to the city where the bank is located. If you don't want to go to the credit bureau, you can find a loan company.
Fourth, how to eliminate too many micro-credit loans?
1 method.
2. Personal credit report is objective and can't be modified artificially, so it becomes the reference material of financial institutions. Small loans and usage records of small loans cannot be eliminated. Only Article 16 of the Regulations on the Management of Small loans overdue Records stipulates that the retention period of bad information is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
3. In any of the following circumstances, it may be submitted to the Credit Information Center of the People's Bank of China.
1) information filled in by yourself.
2) The account manager or small loan input operation is wrong.
3) Data processing error of the lending institution.
4) In the case of China Minsheng Investment Co., Ltd., the borrower's credit information center raised an objection and asked for correction. Small loans use wealth, and banks will not deliberately distinguish between small loans and bank loans. If the loan is not paid back within the time limit, the borrower will not be provided with loans and credit cards. In general, they will only look at the inquiry records within two years.
By then, they will directly apply for micro-loans and pure credit loans on their mobile phones, and they will be able to lend money in a few minutes. However, too many applications still have a certain impact on credit reporting. Then, the solution to too much credit information is as follows:
1) Pay off the arrears. In the case of too many small loans in credit investigation, it is suggested that borrowers give priority to paying off smaller loans to reduce the debt ratio in credit investigation. Loans overdue, paying off in full, can effectively reduce personal debt ratio. If the personal debt ratio is too high, other financial institutions will have a bad impression on lenders, and it will be more difficult to approve loans.
2) Use credit cards reasonably. A quick and effective way, in the case of too many small loan records, it is suggested that borrowers give priority to paying off small loans, and then use credit cards more every month and scroll their credit records more. Books worth mentioning, don't always buy online with credit cards, and don't withdraw cash frequently.