What does it mean that the credit report of the official account check shows that it has hit the bla

Generally speaking, if you have overdue in an online lending institution or you usually apply for online loans frequently, then you will be included in the online loan blacklist, especially the overdue problem, which is very serious, so it will be reflected in your big data credit report, it will show the hit blacklist, and there is a high probability that you will be rejected if you go to other online loan platforms to apply for loans.

However, after becoming an online loan blacklist, it can still be cleared, provided that the overdue arrears must be paid off first, and if you don't pay it off, you will keep it for a lifetime. After paying off, you also need to wait for half a year, and you can't have any loan operations in this half year, let alone overdue, so the online loan blacklist will naturally be cleared after half a year, and you can reapply for a loan at that time.

Hit risk alerts can help users better find their own qualification problems and improve the risk control approval rate of online lending platforms.

The specific can be queried on the big data report, as long as you only need to open WeChat to find: early knowledge data. Click on the query, enter the information to query their own credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit status.

You can check with the credit bureau.

The Regulations on the Administration of the Credit Reporting Industry have corresponding provisions on it:

Article 17: Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year. Where inquiries are made to personal information from credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon.

Where credit reporting establishments, information providers, or information users use standard contract clauses to obtain the consent of the Personal Data Subject, they shall make a reminder in the contract sufficient to attract the attention of the Information Subject, and make a clear explanation in accordance with the Information Subject's requirements.

Unable to query.

The People's Bank of China Credit Information Center does not have a "blacklist". The credit information center only objectively collects and displays the credit information of customers, and does not make any evaluation of customer information.

The personal credit report objectively displays the repayment record of the loan, without the words "bad record", and if the consumer himself does not repay the loan on time, the credit report will truthfully show the overdue record.

There are two versions of the personal credit report, the bank version and the personal version!

Only the bank version can visually display whether it is on the bank's watchlist or blacklist!

The personal version can't see if it's on the blacklist!

Generally speaking, as long as there is no large amount of overdue for more than 30 days, it will not be blocked, and at most it is a watchlist!

However, if there is a bad debt on your credit or it is overdue for more than 90 days, it will basically be blocked, but it is not absolute, and the specific situation depends on the amount of money

check personal credit history; At present, we also check personal credit reports through our counter and professional version (no fee is charged for the time being).