Does Tongcheng Baitiao check his credit score?

Do Tongcheng Travel loans go through credit bureaus?

Tongcheng Travel loans go through credit bureaus. Currently, Tongcheng Travel has two loan products, Chengcheng Baitiao and Tiqianyou. Both of these loan products are credit-reported. In addition, Tongcheng Travel's loan products will also check the credit score when applying. It will be difficult for users with poor credit records to apply.

For more information about Tongcheng Travel Loans, please enter: View more content. Is Chengcheng Baitiao opening for the first time and checking the credit?

Chengcheng Baitiao is opening for the first time. There will be no credit checks.

If you use Baitiao normally, your credit report will not be reported. If it is a short-term overdue payment, it will not affect your use of Baitiao after the repayment is successful. However, if you have been overdue for a long time or multiple times, The amount of money will definitely have an impact on personal credit.

If you have any questions about your personal credit report, it is recommended that you make your own inquiries through the local People's Bank of China or designated branches of other banks. Will there be a credit inquiry record after opening Chengcheng Baitiao?

Yes. When applying to open Chengcheng Baitiao, you need to be authorized to check the credit report of the People's Bank of China, so the Chengcheng Baitiao inquiry record will be left in the credit report. Does Tongcheng Travel use the credit report?

Tongcheng Travel borrows money from the credit report. Currently, Tongcheng Travel has two loan products, Chengcheng Baitiao and Tiqianyou. Both of these loan products are from the credit report. Credit reporting. In addition, Tongcheng Travel's loan products will also check the credit score when applying. It will be difficult for users with poor credit records to apply.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.

In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.

Classification

1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.

Business credit reporting mainly collects corporate credit information, production An organization for corporate credit products; personal credit reporting is mainly an organization for collecting personal credit information and producing personal credit products.

Credit reporting agencies in the United States mainly have three business models:

(1) Capital market credit assessment agencies, which assess stocks, bonds and large-scale infrastructure projects;

(2) Commercial market assessment agencies, also known as corporate credit reporting service companies, whose assessment objects are various large and small-sized enterprises;

(3) Personal consumer market assessment agencies, whose credit reporting agencies For individual consumers.

2. According to the service objects, it can be divided into credit investigation, commercial credit investigation, employment credit investigation and other credit investigation.

The main service objects of credit investigation are financial institutions for credit decision-making. Provide support;

The main service targets of commercial credit are wholesalers or retailers, providing support for credit sales decisions;

The main service targets of employment credit are employers, providing support for employers' employment decisions. Support;

In addition, there are other credit reporting activities, such as market research, creditor's rights processing, movable and real estate appraisal, etc.

3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting, transnational credit reporting, etc.

Regional credit reporting is generally small in scale and only in a specific area. Providing credit reporting services. This model generally exists in countries where the credit reporting industry has just started. After the credit reporting industry develops to a certain stage, most of them move towards mergers or professional subdivisions, and the real regional credit reporting gradually disappears;

Domestic credit reporting is one of the most common forms of institutions in the world, especially in countries that have opened credit reporting agencies in recent years;

Transnational credit reporting is rising rapidly