How to check the big data of online loansThank you!

Inquiries about online loan big data can be made through third-party platforms. The inquiry methods of the major platforms of online loan big data are simple and diverse, as long as you submit your name and ID card.

and a mobile phone number to get a detailed query report.

At present, the query platform is a well-known big data query system, including Tongdun, lightning query, cloud risk control, big data, network information experts, etc.

The network information expert inquiry system is divided into five sections: comprehensive risk assessment, big data credit inquiry, operator report inquiry, bank statement, and credit card data inquiry, in which you can query the online loan blacklist.

Online loan application records, overdue records, personal loans.

Records, personal online loan records, personal long loan records, personal Internet finance P2P platform loan records and other data.

And in the process of inquiry, it will also cross-verify your loan application information and multi-platform.

information, quickly identify low-credit users, lending fraud risks. Use to a mobile phone (Model: HLK-AL00).

Extended Materials. 1. How to check your personal credit report.

1. Central bank. Inquire about personal credit reports.

1) Generally, you can go to two places, the first is the local head office of the central bank, directly bring your ID card and your own valid documents, you can go directly to the head office of the bank to find the customer service manager to fill in the application form and then you can handle the business you want to check personal credit.

2) In some places, the central bank has set up a credit management department, and it is okay to bring your valid documents to inquire, and it is best to print it out.

2. Check personal credit report online.

If you have overdue records online or loan records on multiple platforms, then your various records will be subject to big data risk control, and your online loan platform will be at this time.

will be rejected frequently, even your flowers.

The borrowing will also be closed.

2. How to remove entry into the online loan blacklist?

1. Go to the online loan platform to check your detailed loan records and see the money you borrow, so as to avoid criminals using their personal information to lend, if you find that it is not your own loan, but someone else or criminals steal it, you should immediately call the police, and then contact the lending platform to explain the situation.

2. After checking your detailed loan records, and then confirming that it is your own borrowed money, you should pay off all the arrears and then contact the customer service of the corresponding platform to let them eliminate it.

3. When the platform responds that it cannot be eliminated, it will be automatically eliminated after the loan is paid off. Generally, only the last 5 years of credit records will be displayed in our personal credit report.

4. Pay off the money you have borrowed on time and don't default.

5. Maintain your good reputation, don't be blacklisted by online loans, and avoid being affected in other aspects of creditworthiness.

There are two common online loan databases in China: central bank credit information and online loan database. The central bank's credit statistics are the borrowing data of bank loans and formal online loans.

The online loan database counts all the online loans that are on the credit report and those that are not on the credit report, and the online loans that are not on the credit report will be uploaded to the online loan database. Therefore, it is incomplete to only look at credit information.

1. Take your ID card to the local People's Bank of China for inquiry, or check on the official website, which will take one to three working days.

2. It is relatively simple to query the online loan database, you can query it on the "Xiaoqi Xincha", this report is connected to 99% of the online loan platforms on the market, the data is accurate and comprehensive, and you can query your personal credit situation, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case and other important data information.

The difference between these two methods is: the People's Bank of China will leave a record of inquiry when checking credit, and if there are too many inquiries, it will have a certain impact on itself. However, the second query method will not leave a query record and will not be reported, which is a good privacy protection measure.

Extended Information: What to do if personal big data is spent?

If personal big data is spent, it can only be raised slowly, and it is best not to apply for a loan within half a year. And if there is a loan that has not been settled, it is necessary to pay off the arrears as soon as possible.

The reason why you don't apply for a loan for nearly half a year is because the loan platform usually looks at your data in the past six months. And most online loans will check the data once you apply for it, and it is easy to get rid of your personal data. Therefore, as long as you insist on not applying for an online loan through any channels for half a year, your personal data will not be spent in the next half year.

And if you apply for a loan later, you won't be affected again.

However, everyone also needs to pay attention to one point, that is, if you have bad records such as overdue, it is no longer a question of whether the data is spent or not. As long as you have a bad record in your data, then the loan application will definitely be affected.

There is a lot of data queried by the online lending platform during the review. Online loan big data mainly includes the following aspects:

1. Personal Information. (Work information, location information, operator information, e-commerce shopping information) 2. Contact information.

3. Loan records of other online lending platforms.

4. Case information of courts, arbitration courts, public security, etc.

After these four types of information are gathered, a complete personal online loan data report is formed, which can minimize the bad debt rate of the online loan platform.

You can check in Xiaoqi Xincha to view your own online loan big data information.

The database cooperates with more than 2,000 online lending platforms, and the data queried is very accurate and comprehensive.

It is best to go to the bank to check if the information is accurate, and everyone has a free opportunity to check.

Inquiries about online loan big data can be made through third-party platforms. The query methods of the major platforms of online loan big data are simple and diverse, as long as you submit your name, ID card and mobile phone number, you can get a detailed query report.

Big data credit inquiry, operator report inquiry, online loan blacklist inquiry, online loan application records, overdue records, personal loan records, personal online loan records, personal long loan records, personal Internet finance P2P platform loan records and other data.

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 those loans that are connected to the central bank's credit system and those with a good balance are mainly based on the borrower's central bank credit report.

If you don't know the situation of your own network black big data, you only need to search: Beijian Quick Check, click on query, and enter information to query your own Baixing credit data. However, with the establishment of Baihang Credit, almost all overdue online loans will affect personal credit in the future, so everyone must pay attention to what they can when borrowing money.

Third, how many days will the online loan be overdue for credit reporting?

How long is the overdue online loan will be on the credit report, which is mainly discussed in two situations.

1. There is no grace period, and the overdue repayment record is on the credit report after the repayment date.

If the online loan platform does not provide a grace period for repayment, then the user has not repaid the loan after the repayment date, and the resulting overdue record will be reported on the credit report. Even if the user repays after the repayment date, it is considered overdue repayment. When the overdue repayment is overdue, the overdue record is automatically deleted, and the user can only wait for the overdue arrears to be paid off.

2. There is a grace period, and the overdue repayment record is on the credit report after the grace period.

The online loan platform provides a grace period for repayment, and the repayment period from the repayment date to the grace period is counted as the user's repayment on time. Repayment on time will not result in overdue records and overdue interest, so that there will be no overdue records uploaded to the credit report. If the user fails to repay the loan after the grace period or does not repay the loan after the grace period, the online loan platform will be deemed to be overdue.

As long as it is overdue, overdue records and overdue interest will be generated, and then the online loan platform will upload the overdue records to the user's personal credit report in accordance with relevant regulations.

The above two situations will lead to overdue records on the credit report, and overdue records in the credit report will lead to poor personal credit reporting, and will also affect the user's application for other loan business. After the overdue amount is paid off, the overdue record will be automatically deleted after 5 years. Therefore, once there is an overdue, please pay off the overdue arrears as soon as possible, so that the personal credit can be restored as soon as possible.

1. Inquire about the individual's loan records and repayment status on various online loan platforms. Users can log in to the official ** of each online loan platform to check their loan records and repayment status on the platform.

2. Query the third-party data service platform. At present, there are some third-party data service platforms on the market, such as Qinggou Quick Check, Eagle Heart Quick Check, etc., which can provide comprehensive online loan big data query services, and users can obtain more detailed data information through these platforms.

3. Check the credit of the central bank. Users can bring their ID cards to the counter machines of People's Bank of China offline outlets to print personal credit reports by themselves. When the user inquires about the credit report, each person has 2 opportunities to print the personal credit report for free every year, and each inquiry will be charged 10 yuan from the 3rd time.

In short, querying online loan big data requires users to spend a certain amount of time and energy, and choosing a credible query platform and data** is of great significance for users to evaluate the risks of online loan platforms.

Extended Information: Will checking an individual's borrowing history and repayment status on various online lending platforms affect personal credit?

Checking an individual's borrowing record and repayment status on various online lending platforms generally does not directly affect an individual's credit rating.

Specifically, the loan records and repayment status of individuals on each online lending platform will generally be included in the platform's own risk control system for evaluation and management. At the same time, some credit rating agencies may also refer to this data to assess an individual's credit profile.

In addition, once there is a problem with an individual's loan history and repayment status, such as overdue, this information may be reported to the credit bureau, which will affect the individual's credit record and credit rating.

Therefore, individuals should pay attention to their borrowing behavior on various online lending platforms, and try to avoid defaults such as overdue to maintain a good credit history and rating. In addition, individuals can check their credit reports regularly to ensure that their credit history is accurate.

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

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, you only need to open WeChat and search: this letter check. Click to query, enter the information to query their own Baixing 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 situation, can obtain various indicators, query their own personal credit situation, network black index score, blacklist situation, online loan application records, application platform type Lu Qing type, whether it is overdue, overdue amount, credit card and online loan credit trace grasp estimated amount and other important data information.

This Wu query personal online loan big data:

You only need to open the WeChat homepage and search: Raindance Quick Check. Click to 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 situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist, online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate and other important data information. "

There are two ways to check your online loan records, one is to check the credit of the central bank, and the other is to query the online loan data report.

If you want to check the credit report of the central bank, you need to bring your identity document to your local central bank branch to print the credit report by yourself. The central bank's credit report will display the user's loan history, loan amount, loan term, negative information and other data content in the past 5 years.

If you look up the online loan data report, it is much simpler and more noisy.