How to check the detailed online loan overdue and how to check the online loan overdue record

The inquiry method for overdue online loans is as follows:1. Enter the official website of the People's Bank of China Credit Information Center, find the Personal Credit Information Service Platform, register and log in, click Credit Service to apply for credit information, and then follow the page prompts to make inquiries.

2. Inquire through personal online banking, such as the four major commercial banks, you can find the credit report inquiry service on the loan page of personal online banking, check the agreement to agree to the authorization agreement, and wait for the bank inquiry result.

3. You can also bring your valid ID card to the local branch of the People's Bank of China to inquire and print through the self-service inquiry machine for personal credit report.

If it is an online loan connected to the central bank's credit system, you can find out by querying the central bank's credit report. If it is an online loan that is not connected to the central bank's credit information system, you can check it through the official website or APP of the online loan.

What are the current versions of personal credit reports, and what are the main inquiry subjects?

1) Personal version: for consumers to understand their credit status, mainly displaying the credit information and public information of the information subject. This includes both the personal version and the individual detail version.

2) Bank version: mainly for commercial banks to query, in the credit transaction information, the report does not display the name of other borrowing banks or credit institutions other than the inquiry agency, the purpose is to protect trade secrets and maintain fair competition.

3) Social version: for consumers to open a stock index ** account, this version shows your credit summary information, mainly including personal practice qualification records, administrative reward and punishment records, court litigation and enforcement records, tax arrears records, social insurance records, housing provident fund records and credit transaction records.

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.

There are two ways to check your online loan overdue history.

1. Central bank credit report. You need to bring your ID card to the local central bank outlets to inquire, and the credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past 5 years.

Click on the query, enter the information to query your own credit data, get the online loan application record, the type of application platform, whether it is overdue, the overdue amount, the estimated credit card and online loan credit limit and other important data information.

You can log in to the official website of the People's Bank of China through a computer and use a browser to check the credit report, and you can check your overdue situation.

1. If you want to check whether you have overdue behavior when repaying the credit products under your name, log in to the People's Bank of China Credit Information Center on a computer browser.

On the official website, go to the Internet Personal Credit Information Service Platform to inquire about personal credit reports.

That's it (bring a personal ID.)

It is okay to go to the offline business hall of the local People's Bank of China to inquire), or go to the third-party data platform to query big data.

2. Because if the customer has overdue behavior, the person's credit report and big data will inevitably leave relevant overdue records. In addition, customers can also call the customer service of the handling bank (lending institution platform) to inquire with the staff. In addition, customers can also check whether the message received on their bracelet hunger machine has any content about overdue dunning.

3. It should be noted that the overdue record cannot be eliminated in a short period of time, and the manual cannot be modified, the customer can only pay off the arrears quickly, and then take care of the credit, generally waiting for the arrears to be repaid five years later, the system should delete the overdue records.

Extended Materials. 1. About overdue.

1) What does overdue mean overdue is usually used in credit cards or online loans, which refers to the borrower's behavior of not repaying on time according to the agreed repayment date. The consequences of overdue include overdue penalty interest, affecting personal credit reporting, encountering collection and prosecution, and in serious cases, affecting travel and life.

2) How long will the overdue be on the blacklist, and the overdue will have an impact on personal creditWe all know, so whether the credit report must be blacklisted, in fact, it is not, the credit becomes black and included in the blacklist of dishonesty.

are two different things. It only establishes a credit file for each person, truthfully displays the credit history of each user, and does not have the right to blacklist users.

3) Whether to blacklist the user needs to be decided by the court. Before the court decides, the online lending institution needs to file a lawsuit. Take banks as an example, general bank loans.

If the credit card is overdue for more than 90 days, it will be regarded as maliciously overdue, and legal measures will be taken if it exceeds 120 days for the shantyholder.

After the bank took legal action, the court decided against the court.

2. About credit reporting.

1) Credit reporting is the personal credit information record that is collected, sorted out and saved. The personal credit report records the user's past personal credit behavior, and this report can affect the user's future economic activities.

Whether it's for a loan or to apply for a credit card, a bank or a finance company.

It will be based on the user's credit information.

2) The generation of credit reporting activities stems from the emergence and development of credit transactions. Credit is a special form of value movement conditional on repayment, including forms such as money lending and commodity credit sales, such as bank credit, commercial credit, etc.

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If you fail to repay within the time limit and are on the online loan blacklist, you can check through the online loan blacklist. P2P can go to the home of online loans. Home of Online Loan is China's first authoritative P2P online loan industry portal**, providing how to inquire about overdue online loans.

How to check your overdue online loans.

If you fail to repay within the time limit and are on the online loan blacklist, you can check through the online loan blacklist. P2P can go to the home of online loans. Home of Online Loan is China's first authoritative P2P online loan industry portal**, providing how to inquire about overdue online loans.

Select the online loan blacklist and fill in the corresponding name, mobile phone number and ID number. This query item can check whether the person to be queried has overdue loans, dishonest judgment defaulters, judgment debtors, suspected fraud, administrative or consumer dishonesty, etc. In addition, please make sure that the ID number, name and mobile phone number match, otherwise the system will also deduct the fee.

Check if you have a way to repay your online loan:

1. Inquire about personal credit report: The online loan on the credit report will leave a record in the credit report, and if the online loan is not paid off, the record in the credit report will be displayed as to be repaid.

3. Query loan SMS: Some lending institutions will send SMS reminders to users to repay, and users receive SMS messages but do not repay them, which can basically determine that there is an online loan in a state of pending repayment.

5. Query online loan big data: online loans that are not credit-worthy will be recorded in the online loan big data, and whether this part of the online loan is to be repaid or has been paid off, the online loan big data will be displayed.

6. Inquire about the mobile banking app: The mobile banking app can also directly apply for an online loan, and the user needs to enter the mobile banking app to check whether he has applied for the bank's online loan products and whether the loan has not been repaid.

8. Go directly to the bank branch or loan institution service point to inquire: the user can go to the bank branch or loan institution service point with his ID card to check whether there is an online loan under his name that has not been paid off.

9. Inquire about the deduction of the bank card: If the bank card is automatically deducted, then it is possible that an online loan has initiated an automatic deduction, so that it can be determined that the online loan is still in the state of repayment.

First, the front. If you want to query online loan big data, you usually inquire at some private inquiry systems and third-party platforms.

2. Specific analysis.

There are a lot of private inquiry systems, and we should pay more attention to them when choosing, and choose those regular and large-scale institutions, which are generally used in the industry to do pre-loan review on the platforms of Beijian Quick Check, Xiaoqi Xincha, and Tongdun Data. Because small organizations are generally unreliable, if personal information is leaked, it can also cause security risks.

If you want to check the credit of the central bank, you can directly bring your ID card to the local central bank credit information center for inquiry; You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to the official website of the central bank directly on the computer to make inquiries.

The central bank's credit investigation and online lending big data are basically unrelated. If you apply for an online loan, you will mainly focus on big data and platform risk control; The application for bank loans and loans from lending institutions and platforms that are connected to the central bank's credit information system are mainly based on the borrower's central bank credit report.

Get a big data report, check your overdue records, and classify your online loans, regular and informal, on credit and on non-credit. If you want to repay the money but the funds are not enough, then negotiate with the online loan platform and give priority to the repayment of the formal credit report to minimize the impact on yourself.

3. Can I apply for a credit card if the comprehensive credit score is insufficient?

If the credit card application is rejected and the bank gives the reason that the comprehensive score is insufficient, it is recommended to check what the problem is first, and then solve the problem.

After all, when approving a credit card, the bank will evaluate all aspects, including age, education, marital status, residential address, employer, income level, debt, repayment ability, bank assets, credit status, etc.

If there is a problem with credit and there is a bad record on the credit report, then only after the credit is taken care of, and when the personal credit level improves, the new good record gradually covers the old bad record, and the credit is repaired, then it is good to apply for a credit card.

If you have too many credit cards and loans in your name, resulting in a high personal debt ratio, you can find a way to pay off the debt or pay off part of it first, and then apply for a credit card after reducing the debt ratio.

In addition, if the bank is worried about the lack of repayment ability due to the low economic income, then if there are additional assets, it can provide proof of this to the bank. When applying for a credit card, you should also consider whether the level of assets and financial resources required by the card is consistent with your economic income, and do not blindly pursue a high-grade credit card.

To check if you are overdue on your online loan, you can follow the steps below:

1.Check your bills and contracts: Carefully review the contracts and bills you have signed with the online lending platform to confirm the repayment date and amount.

4.Check credit report: Check personal credit report through the People's Bank of China Credit Information Center, Baihang Credit and other channels, which will display your loan information and overdue records.

Summary: To check whether you are overdue for your online loan, first check the bills and contracts, and then log in to the online loan platform account to check the repayment history. If in doubt, contact customer service.

In addition, you can also get relevant information by checking your personal credit report. It's important to stay up to date on your payments to avoid additional fees and impact on your credit history.

The online loan Shenyuan overdue forgetting platform can be queried in the credit report, and there are the following methods:

1. Central bank credit information, you can inquire about various financial services reported to the central bank credit information, such as housing loans, car loans, credit cards, etc., and you can bring your identity documents to the local People's Bank of China outlets to print credit reports or print credit reports online.

2. Baixing credit is widely used, ranging from deposit-free power bank to car loan approval and other life services. As a supplement to the central bank's credit investigation in the private sector, Baihang Credit records the user's online loan records, liability records, negative information, credit card and credit estimate and other data content. In addition to the advantages of wide data sources and complete data, it is also easier to query.

Consequences of overdue online loans:

1. Bear high penalty interest.

After the online loan is overdue, penalty interest will be charged on a daily basis on the day after the repayment date, and the penalty interest rate is different from the normal loan interest, but the interest is calculated on a daily basis and compounded on a monthly basis, and it will not be charged again until the arrears are paid off.

2. Pay liquidated damages.

Some online lending platforms will also charge a liquidated penalty for borrowers who fail to repay the loan after the deadline, which is generally 3% of the remaining unpaid principal, which will be charged once a month, that is, if it is not paid off in the current month, it will be charged again again if it is overdue in the next month.

3. You can't borrow again.

The online lending platform will not allow borrowers who have overdue arrears to borrow again, and even if they are repaid, they will be comprehensively evaluated based on historical loan records and the borrower's current credit conditions, and they will not be able to borrow in the short term if they are seriously overdue before.

4. The quota is reduced or cancelled.

The credit limit of the online lending platform will be adjusted from time to time, and the failure of overdue borrowers to perform on time will lead to a decrease in the comprehensive score of the platform, and once it falls below the platform's credit standard, the credit limit will be cancelled or the credit limit will be reduced.

5. Unable to enjoy preferential interest rates or interest rate increases.

Some borrowers have enjoyed preferential interest rates for borrowing before, but if the online lending platform is overdue, the original interest rate will be restored, or even the interest rate will be raised, and the borrower will have to pay more interest even if he can borrow money, and the cost of borrowing will increase. <>