What s going on with the big data blacklist? What will be the impact?

Hello, the big data blacklist can also be called in the industry, the online loan blacklist.

As the name suggests, the online loan blacklist must be related to online loans, and those who have been dishonest in online loans will be included in the online loan blacklist, as long as there are overdue arrears that have not been returned, 100% will be included in the online loan blacklist.

Of course, in addition to being overdue, they will be included in the online loan blacklist, if the individual has bad operations, they will also be included in the big data blacklist, for example, if they apply for loans too often in a short period of time, and the information filled in when applying for a loan is not true, they will also be included in the big data blacklist. You can go to WeChat: Mention Chacha to check your big data credit status and whether you have been blacklisted.

Once hit by the big data blacklist, then applying for a loan is basically rejected in seconds, which can be said to have the biggest impact.

Big data blacklist.

It usually refers to those who borrow money online and do not repay it, and are reported and marked as a special list by the institution, which will be recorded by big data and shared by peers, and basically have no chance to borrow money.

Internet black, generally people who do not repay on time, or users with bad behavior, are easy to be included in the network black, to judge whether they are Internet black, on WeChat: letter friends pigeon, you can view. You can also see your credit score, contact blacklist, etc.

After being blacklisted, loan applications can easily be rejected and need to be dealt with in a timely manner.

The most obvious impact of big data hacking is that the loan application is easy to be rejected, and even if the application is made, the amount is not high.

There are two kinds of credit information databases that are commonly used in China: online loan database and central bank credit information.

The central bank credit statistics on the borrowing data of banks and formal online loans.

The online loan database generally counts those online loans that are on credit or not on credit information, and basically the online loans that are not on credit will be uploaded to the online loan database.

Generally speaking, if you want to query the online loan data report, you only need to combine the query of online loan data with the central bank's credit information.

1. To check the credit of the central bank, go to the local outlets or the credit information center on the official website with your identity documents, and you need to receive a verification code to get the report the next day for the official website query.

2. It is relatively simple to query the online loan database, WeChat search: Mi Weicha. The report is immediately desirable, and the report is connected to 99% of the online lending platforms in the market, and the data is comprehensive and accurate. Users can use the online black index score to determine whether they are online loan blacklisted users.

1. There are many platforms for querying personal online loan big data.

However, most of them are expensive, and the data is not comprehensive enough.

2. Friends who still have questions about their online loan data can obtain an online loan big data credit report on the Blue Ice data platform, and as long as they find the WeChat of this platform, they can grasp the first-hand credit status in real time.

3. If you want to restore big data to normal, it is recommended not to apply for any loans within half a year.

The ugly Xun Xuan, the enemy, the nest, the orchid, the mother, the shepherd, the herdsman, the scarf, the canopy, the buttocks, the whole love, the moth, the overflowing.

The big data blacklist is the online blacklist in the online loan, and basically any online loan will be rejected. If the score exceeds 80 points, it is undoubtedly an Internet black, you can go to the "Tomorrow Check" on WeChat to take a look at your online loan big data, there are scores and suggestions, find the problem as soon as possible, and deal with it as soon as possible, so as not to be blacklisted. on the public service account.

Credit big data is actually a big data report on online loans.

The ** of the online loan data report is the information submitted by the user when applying, and the information such as the application for online loan records, overdue records, and repayment records is gathered.

The online loan data report is just a data record, and it is the Internet black index score that identifies the credit of individuals.

The score standard of the Internet black index is: 0-100, the higher the score, the better the credit. When the score drops to 30 points, it belongs to the blacklisted user.

To apply for an online loan for a long time, you must pay attention to our online loan data report, and beware of blindly applying for an online loan, which leads to becoming a black account without knowing it.

Click on the query to view our online loan data report, online loan application records, online black index score and hit risk warning and other important data information reports.

There are many factors for a normal online loan user to become an online loan big data blacklist, if the user has a recent overdue record and the amount is large, the institution may reject the user's loan application, and once the user has more than 3 loans overdue recently, it may also be pulled into the online loan blacklist.

As a result, users need to query their accurate online loan big data to see what problems they are due to to the formation of online loan black accounts, which can be queried on the Alipay Furui electronic platform;

At present, the blacklist of online loans is mainly because it is difficult to apply for online loans, and it will be difficult to apply for bank loans.

Summary. Hello, if there is such a situation as a big data blacklist, it may be that you have a problem of integrity in a certain aspect, and there is still a problem of violations.

What's going on with the big data blacklist? What will be the impact?

Hello, if there is such a situation as a big data blacklist, it may be that you have a problem of integrity in a certain aspect, and there is a problem of violating the rules of friction and frankness in the blind touch, and some units or individuals who are arguing with him have blocked you, and there are such situations.

If a blacklist is generated in a certain aspect, this situation may affect some of your rights and interests in a certain aspect, and may also affect the convenience of some aspects of your life. Waiter.

So how to solve it.

If you want to eliminate this blacklist, it is recommended that you clean up and sort out what is wrong with yourself, if you know what is wrong, you should improve it in accordance with the relevant regulations of the project in a timely manner, so as to prevent similar problems from affecting yourself in the future.

If the debtor does not repay the debts borrowed, does not keep promises, evades debts, and evades enforcement, it will be reported and marked as a judgment defaulter by the institution, and it will be recorded by big data, which means that the judgment defaulter will be included in the "blacklist of dishonest persons" and shared by peers.

In any of the following circumstances, the people's courts shall include judgment defaulters in the list of judgment defaulters, and give them credit punishments in accordance with law.

1) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

2) Evading enforcement by means such as sham litigation, sham arbitration, or concealment or transfer of property;

3) Violating the property reporting system;

4) Violating orders restricting high spending;

5) The person subject to enforcement refuses to perform on the enforcement settlement agreement without a legitimate reason;

6) Other persons who have the ability to perform but refuse to perform the obligations set forth in effective legal documents.

Big data blacklist is a third-party credit information platform similar to credit information, which integrates the credit records of users of various online lending platforms to form a credit system, and uses big data to analyze and sort out.

If the borrower retains a bad credit record in this big data blacklist, it will be difficult to apply for a loan from other online loans.

If you are not sure about your online loan application, it is recommended to get a big data report on "Blue Ice Data" first. After checking your detailed loan records, you should pay off the arrears in full after confirming that the loan is correct, and then contact the customer service of the corresponding platform for processing. With these steps, you can better manage your borrowing and lending history.

Extended Information: How soon will the Big Data Blacklist be removed?

A year or so. The overdue repayment must be made up first, and the platform data will be updated, which will be about a year.

If the mobile phone number hits the blacklist, you can try to change the new mobile phone number Bisun and apply for it in half a year.

If big data is hacked, you should try to remove the credit stain, such as negotiating with the online loan that left the record, agreeing on the amount and time of repayment, and settling the arrears of the online loan as much as possible. Then the online lending institutions are required to eliminate the overdue records in the big data, so that the credit stain will be eliminated. In the next few months, don't apply for any online loan products, let the big data slow down, so as to solve the problem of big data black.

Generally speaking, everyone uses the central bank's credit record, and it will leave traces after inquiry. This is not a good situation for borrowers. In addition, most online loans do not have credit records, resulting in credit investigation unable to understand online loan information specifically.

However, you can use the "Four Happiness Data" to understand personal data, including query records, online loan overdue information, application records, dishonesty information and online loan blacklists, etc., and there is no query record.

Extended Information: How to Detect Whether Big Data in Online Lending Is Spent or Hacked?

There are three ways to query:

1. Query method.

After the loan is overdue, you can take the initiative to call the customer service staff of the lending institution and ask whether the other party has shared their overdue information with other loan platforms. If the overdue information is shared with other loan platforms, then it is likely to become an online hack.

2. Official website query method.

At present, there are many loan platforms that will put the information of the debtor on the official website. You can log in to your online loan platform to see if you have your own information in the list of people who owe money. If there is its own information in the list, then the probability of becoming an online hacker will be very high.

3. Credit reporting platform inquiry method.

You can use some online credit reporting platforms to check whether you have become an online blackmailer. These online credit reporting platforms include Sesame Credit Score, Beijian Quick Check, Xiaoqi Credit Check and so on. If the loan overdue information is queried on these platforms, it is very likely that Crackbomo is already an Internet hacker.

Credit investigation Big data is black, which means that the world group has a bad credit record. When there is a bad credit record, you can only continue to use it, maintain a good credit report, and it will not be displayed again after 5 years of use.

During this period, the credit card cannot be deactivated, and the information will not be updated after deactivation, and the previous bad credit will always exist.

The Regulations on the Administration of the Credit Reporting Industry stipulate that the retention period for negative personal information by credit reporting establishments is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted.

If the debtor does not repay the debts borrowed, does not keep promises, evades debts, and evades enforcement, it will be reported and marked as a judgment defaulter by the institution, and it will be recorded by big data, which means that the judgment defaulter will be included in the "blacklist of dishonest persons" and shared by peers.

In any of the following circumstances, where judgment defaulters, i.e., judgment defaulters, have the ability to perform but do not perform the obligations set forth in effective legal documents, the people's courts shall include them in the list of judgment defaulters, and give them credit punishments in accordance with law.

1) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

2) Evading enforcement by means such as sham litigation or arbitration, or concealment or transfer of assets;

3) Violating the property reporting system;

4) Violating orders restricting high spending;

5) The person subject to enforcement refuses to perform on the enforcement settlement agreement without a legitimate reason;

6) Other persons who have the ability to perform but refuse to perform the obligations set forth in effective legal documents.

At present, the most commonly used are the "List of Judgment Defaulters" issued by the Supreme People's Court and the "Marine Credit" of the third private credit report. However, if you want to check the blacklist of college students' online loans: the most complete marine data.

1.Through the "Ocean Credit" query [blacklist of the old man issued by the Supreme Court], as well as the private [P2P blacklist], [small loan blacklist], [third-party collection platform blacklist], etc., hope to adopt.

90 days overdue, commonly known as "blacklist".

Credit report: If you are overdue for 90 consecutive days, it will be marked as 3 in the credit report, and it will be recognized as a "blacklist" by all financial institutions, which means that you will be rejected by almost all credit institutions.

Bank attitude: Generally, bank loans, credit cards, etc. overdue for more than 90 days will be regarded as malicious overdue, and legal measures will be taken for more than 120 days. It will even be recognized as a "blacklist" by all financial institutions, which means that it will be rejected by almost all credit institutions.

Big data: It will be displayed as a blacklist type, but the big data will be restored in half a year, and the overdue records will be eliminated.