Check your credit report!
Early this morning, Xiao Wei caught off guard and ate another big melon!
Actress Ye Xuan was stopped by airport customs as she prepared to fly abroad at Beijing airport, Daily Mail reported.
The reason is that she has been put on the list of people who have broken her promise, and she has become what is commonly known as the "Lama." she is not allowed to fly, not to mention to leave the country.
The news really surprised Xiao Wei! Although Ye Xuan is not red now, at least he is a star. How come he has become an "old Lama"?
After looking up the relevant information on the Internet, Xiao Wei found that the original origin and context of this matter is like this.
It's all love!
In 2015, Ye Xuan had a boyfriend, known as "Mr. Xiao Mo."
I don't know if I am confused by love. Ye Xuan, who is in love, has repeatedly abused her boyfriend's ex-girlfriend Lu Mei on public occasions and on Weibo, calling him a liar, despicable, narrow and dark, not good enough, and saying that he is a parasite, and so on.
Ex-boyfriend's current girlfriend pointed to the nose so scolded, Lu Mei of course can not bear.
So in February 2017, she took Ye Xuan to Shanghai Xuhui Court on the grounds that her reputation rights had been violated.
The picture shows Lu Mei
On April 2, 2018, Xu Hui court delivered the first instance judgment: Ye Xuan lost the lawsuit.
The court asked her to delete the relevant Weibo;
Apologize to Lu Mei in writing;
Compensation Lu Mei related costs totaled more than 9600 yuan.
Ye Xuan appealed against the first instance judgment.
The second instance upheld the original sentence.
However, due to Ye Xuan's delay in fulfilling the judgment, Lu Mei applied to Xuhui Court for enforcement on September 10, 2018.
On September 19, 2018, the court issued a consumption restriction order against Ye Xuan, prohibiting her from flying, making high-end consumption and so on.
In December 2018, the court added her to the list of defaulters and restricted her exit.
On February 24, 2019, Ye Xuan was stopped by customs when he was preparing to take a flight to leave the country at Beijing Capital Airport and informed Xu Hui Court.
On 5 March, Ye Xuan was summoned to Xu Hui Court, and she handed a handwritten signed apology letter to Lu Mei's agent, lawer, in person.
And paid a fine of 80,000 yuan on the spot.
At this point, this matter can be regarded as a complete end. (Ye Xuan and Mr. Xiao Mo have broken up)
This incident can not help but remind people of October 2018, Li Yapeng because of contract dispute was sentenced to pay 40 million yuan outstanding, was also listed by the court as "old Lama."
After becoming a "Lama," not only travel, consumption, employment, loans and other aspects will be affected, but also will leave a black spot on the personal credit history.
This also shows that more and more attention has been paid to the issue of personal credit in China, and the construction of social credit system has also been effective at the beginning.
In Australia, the consequences of broken promises are even more serious!
When it comes to credit, Australia has to be mentioned.
As a credit supremacy country, Australia attaches great importance to credit, compared with domestic.
Even just taking a train / tram ticket will affect your credit record!
And what many people don't know is that, in fact, everyone living in Australia has a credit report of their own.
The quality of this credit report will directly affect your school in Australia, employment, loan applications and other aspects of the problem, everyone must be very serious!
So today, Xiao Wei came to talk to you about Australia's credit report.
What is a credit report?
Simply put, a person's credit report in Australia, (Credit Report), is much like our "personal profile" at home.
It's just that archives record your work, learning materials and politics, while credit reports record information about your consumption, default and business activities.
When you apply for a credit card, house loan or mortgage, the bank first checks your credit report to determine if you want to approve your application.
What specific information is recorded in the credit report?
General credit reports will include the following basic information:
- Your name, driver's license number, birthday, gender, address, past residence address, current employer, past employer information;
- Credit inquiry records (credit enquiry), includes credit cards, car loans, mobile phone contracts, hydropower and gas records;
- The management position of the company;
- Records of mortgage applications over the past five years or more, including pre-approval, formal approval, reloan, etc.;
- The records of overdue loans or credit-related accounts are classified as default;
- Court judgement;
- Bankruptcy liquidation records;
In other words, it records all your financial behavior.
For example, whether you have applied for a credit card, whether the credit card has been approved, how much you spend with the credit card, whether or not you have repaid the money on time, and so on.
More importantly, it will record all of your "break-of-faith" behavior!
For example:
- For example, you signed a phone from Telstra or Vodafone;
- Using a credit card for consumption;
- Or use your name to handle the electricity contract and network at home;
It comes with a credit card payment notice, a loan, a communication or a living bill.
1. If the deadline for repayment / payment is past five days and you have not paid your fee, or you fail to pay it, you will be considered as "in arrears."
This "outstanding" record will be maintained in your credit report for a period of 2 years from the second day of the due date.
2. If you owe more than A $150 and delay for more than 60 days, you will be considered a default.
This default record will be kept in your credit report for five years from the date it is recorded.
In other words, once you are in arrears, default, and so on, then your credit report will leave a black spot, become your bad credit history.
In particular, it is important to remind you that even petty ticket flight can affect your credit record!
What is the impact of bad credit records on life? It has a lot to do with it!
For example:
You want to sign up for mobile phone services, but the communications operator may not sign with you as soon as you have a bad credit record;
You want to apply for a credit card from the bank, but when the bank sees that you have a bad credit record, it may not approve your application or grant you a very low credit card limit;
You want to apply to the bank for an house, a vehicle loan, but when the bank looks at you with a bad credit record, it may not give you a loan, even if it does, the interest rate may be higher than that of others.
A bank once estimated that a person with a credit score of 500, and a credit score of 800 would have a one-year interest difference of up to 5% when applying for a non-guarantee loan!
If you apply for a $1 million loan, the interest will be $50, 000 less, which is a lot of money!
So keeping a good credit record is very important to everyone!
So, how do we know if we have a good credit record?
This again involves the following two questions.
Who will keep our credit report?
Australia currently has four government authorized credit management companies responsible for the custody and evaluation of our credit reports.
The four companies are:
- Experian
- Equifax
- Dun & Bradstreet
- Tasmanian Collection Service
All the institutions that you open an account, such as big banks, energy companies and telecom providers, will hand over all your credit records to these companies, including good and bad records, and then generate your personal credit reports.
What factors affect credit report scores?
Credit scores are a score generated by counting credit information, ranging from 0 to 1200.
The higher the score, the better your credit, and the easier it is for the bank to approve your loan.
There are many factors that affect scores, such as:
- The first time you have a credit record (sign a cell phone, a credit card, a car loan, etc.) at what age, the sooner you usually have a credit record, the more helpful it will be to build up credit report scores;
- Whether there is a frequent change of their home address;
- Whether frequent replacement work;
- Whether in a certain period of time to do frequent credit inquiries, such as half a year to 3 different banks to submit loan applications or credit card applications and so on;
- If you frequently change your job, address, apply to the bank for a loan, or reschedule, etc., your credit score may fall.
Credit reports can be consulted free of charge
In Australia, you can obtain your personal credit report and credit score from the above-mentioned credit management companies, and it is free!
Australia's government requires that if you apply to these companies to review their credit reports, they must send them to you within 10 working days (provided you haven't requested a credit report in the past 12 months).
If you move, you can apply online to the Australian Post Office for mail forwarding and forward the letter to your new home.
And now, these companies support e-mail services, saving mail time.
It is important to remind you that, Tasmanian Collection Service is a company that only targets residents of Tasmania and three other companies that target residents of Australia.
You can ask any of these three companies to send you credit reports.
However, since the three companies do not receive the same credit data, your credit reports at the three companies may differ somewhat.
In addition, the credit scores of the three companies are not the same.
For example:
The highest level of Experian credit is: 800-1000 points;
The highest level of Equifax credit is 833 and 1200 points.
What if you have a bad credit record?
When you receive your own credit report and find that you have a bad credit record, don't look for agents who are honest and have no legal qualifications on the Internet, because they are likely to be cheats!
The right thing to do is:
- If there is a wrong default or default record, contact the credit management company to correct it.
- If you have a record of debt or default, contact the institution that submitted your bad credit record, such as the bank or communications company, pay the arrears, and then contact the credit management company to modify the status of the arrears.
Because the credit report is very important, so we should look up their own records, take a heart.
3 credit management companies free credit reporting web site:
http://www.experian.com.au/order-credit-report
https://www.mycreditfile.com.au/products-services
https://www.dnb.com/products/finance-credit-risk/dnb-credit/dnb-credit-free-report.vara.html
Finally, I would like to remind you that whenever you want, you must pay every bill in time, and don't leave a black spot on your credit history because of one negligence, which will affect your future life.