Personal letters are the collection, processing and generation of data and information on the credit status of individuals and on the risk of credit, based on information on natural persons and their related credit transactions, non-compliance, etc. Information is collected from a wide range of sources, including banks, micro-credit companies, electrician platforms, etc. And flowers are a consumer credit product, so does a personal letter get information about flowers

Will a personal letter find flowers

First, we need to know the background of the flowers. The flower is simply a consumer credit product from an ants gold suit, a “consumer before repayment” model. Because flowers are linked to ant credit systems, the use of flowers for consumption is recorded in ant credit. If the user of the flower is overpaid, it affects ant credit points and letters of credit records. Therefore, there is a risk that flowers, if any, will be recorded in the letter-writing report。

Second, it is necessary to look at how information is reported to individual letter services. In accordance with our Regulations on the Administration of Personal Trust Industry, letters may be sent to financial institutions, micro-credit companies, guarantee enterprises, etc., which are the main sources of information on requests. In the case of the consumer credit products of this type of electrician, since it is an act on a payment platform, there is no direct connection between the payment and the credit agency. In other words, if the user is not late in paying, the letter caller may not know at all whether the user has used the flower。

How, then, would it affect an individual ' s credit record even if the letter-receiving agency had access to flowers? Personal correspondence records are divided into two main parts, namely, basic personal information, including name, identity number, contact information, etc., and personal credit records, including credit card repayments, bank loan repayments, microcredit repayments, overdue repayments, etc. On the basis of this information, the credit rating of the individual will be assessed by the lettering agency. If a person uses a flower for consumption but always repays it on time, the record in the letter report may not have a significant impact on the credit rating of the individual; but if the client is late, the late record will be recorded in the letter report to reduce the credit rating of the individual。

Finally, it should be recalled that flowers are not bank loans or credit cards, and that some letters-reporting inquiries exclude the information that is spent, so not all letters-reports contain information that is spent。