What are the differences between data and online loan big data?

China's credit reporting system is divided into two types. One is the central bank's credit information, and the other is the central bank's Baixing credit investigation, which is the big data of online loans.

To inquire about the credit of the central bank, you need to bring your identity document to the local central bank branch and print a simplified version of the personal credit report by yourself.

It is much simpler to inquire about Baixing credit, and because of the wide coverage of Baixing credit and many application occasions, the content of the report is much richer than that of the central bank's credit, and the query is also very simple.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as pine cone check, sesame credit score, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth. "

Currently, there are three types of credit databases.

Online loan database, Baixing credit, central bank credit.

The online loan database generally does not count the online loans that do not have credit information, and basically the online loans that do not have credit information will be uploaded to the online loan database.

Baihang Credit Statistics Statistics on the Loan Data Information of Some P2P Online Lending Platforms.

The central bank's credit investigation only counts the borrowing data information of formal online loans.

Generally speaking, if you want to query the online loan data report, then you only need to query the online loan data and the central bank credit information.

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

You can view the number of online loan applications, the number of overdue days of online loans, the overdue amount, the overdue platform, the debt information, the online black index score, the hit risk warning, the court prosecution information, the arbitration case information, the information of the dishonest person and other data.

Among them, users can judge whether they are blacklisted users based on the online black index score.

The score standard of the Internet black index is: 0-100 points, the lower the score, the better the credit.

The hit risk reminder can help users better understand their own shortcomings and improve the approval rate of online lending platforms.

Hello, if the credit is checked many times, it will affect the credit of the individual, but it also depends on the situation.

Credit inquiries are also divided into hard inquiries and self-inquiries. Usually hard inquiries will have a serious impact on one's own credit, and it will be fine to inquire by yourself.

Hard inquiry: that is, when you apply for a loan, you authorize the lending institution to check your personal credit record, which will have a big impact.

Generally speaking, if there are 4 hard inquiries about the central bank's credit within 1 month, more than 5 times within 2 months, 8 times within 3 months, and 12 times within 6 months, then the loan application is easy to be rejected.

The purlins are scorching, the leaves are wide, the vines are scorching, the carvings are scorching, the pods are depreciating, the sorrow is degraded, and the sorrow is scorched.

It may be different, each with its own data online lending and areas of expertise.

The content of the two inquiries is different, the credit card big data mainly checks the user's card usage behavior, while the online loan big data checks the user's online loan usage, which is the biggest difference between the two. However, many people think that online loans and credit cards are two concepts of grinding and dispersing, and the two are not related, but in fact, they are closely related, if your online loan use is not standardized, there is bad behavior, resulting in personal credit damage, then your credit card processing results will also be affected to a certain extent, and the follow-up may also affect your withdrawal results. In addition, in addition to online loans, there is also your credit card big data report will also affect the subsequent credit card processing, so in addition to standardizing the use of loans, it is also necessary to standardize the use of cards, and regularly search for "card help" through WeChat to see the details of your credit card use, and take timely measures to remedy when abnormalities are found, otherwise the success rate of applying for credit cards in the future is very low.

Online loan big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate the loan records of various online loan platforms. Many platforms will use online loan big data as a reference basis when reviewing, and if there are stains on the big data of online loans, such as overdue or frequent loan application records, then the loan application will be easily rejected.

If you find that the big data of online loans has been hacked, it means that there is a bad record of overdue or frequent loan application recently. If you want to restore big data to normal, it is recommended not to apply for any loans for half a year.

Credit card big data is an important reference data for banks in approving credit cards and credit card advances, if the user's personal credit report is good, but the credit card big data has a bad record, the possibility of card failure is relatively large.

Therefore, it is necessary to inquire about credit card big data before applying for a card, so how to query credit card big data?

Actually, there are many ways to query, such as:

1. You can go to the credit card column in the bank's mobile banking to check the credit card and the consumption record in the recent time period.

3. Go to a nearby bank branch and bring your ID card and credit card to print the bill.

4. There is also one of the easiest ways to open: check the data deeply, enter your name, ID card, and bank card, and you can get a detailed credit card big data report. "

Most of the so-called big data is obtained by querying the personal credit system. Instead of data on your own.

If you know whether the data will show the record from many years ago, as long as the credit is good in the past six months, it will not have a great impact on the future loan application.

If it is an online loan that does not go to the credit report, there is actually no compulsion.

However, online loans like MO9 will sue users, and it doesn't matter if you sue you later, don't be afraid.

Why do you put money in the change pass, there is interest, but you must remember that when you deposit, it is a bank card transfer, and there is no handling fee for cash withdrawal, and you can also choose change pass consumption for ordinary consumption, killing two birds with one stone, at least higher than the interest rate of the deposit bank, and it can also be used very conveniently, good luck.

Now that the credit is bound to the credit report, if you don't pay it back, you must be on the list, go to the credit report ** check it, if you really have it, pay back the money first, and then maintain a good credit for a few years, and it will be gone.

Zhihu cannot completely solve everyone's doubts, and not all information can be found. Here's why:

Nature and human society have infinite connotations, no matter how long people know and explore, they cannot understand everything; Since people will never be able to figure out the truth of all things in the universe, the Internet, as an artificial creation, will inevitably not be able to cover all the ins and outs of all knowledge and things in the world. Knowledge and the connections between various things in nature are constantly being developed and discovered, but there is always a priority, and what will be searched on the Internet in the future does not mean that it will be found now.

In the Internet era, there are more and more friends who apply for online loans, so how to check their online loan big data credit? In the past, when taking out loans in banks, the use of credit cards will be included in the credit information system of the central bank, so that the bank can understand the loan consumption information of each borrower, so as to judge whether to lend to the borrower more quickly and accurately.

In the Internet era, there are more and more friends who apply for online loans, so how to check their online loan big data credit? In the past, when taking out loans in banks, the use of credit cards will be included in the credit information system of the central bank, so that the bank can understand the loan consumption information of each borrower, so as to judge whether to lend to the borrower more quickly and accurately.

At present, many online lending institutions are based on the data of the online loan database center, and banks will also have their own credit reporting systems. If you are blacklisted by a certain bank, it is impossible to apply for a credit card or loan from that bank again.

Many users believe that the information of the bank's credit information system is too simplistic and not enough to reflect the loan qualifications of borrowers and serve the majority of financial companies.

As a result, the use of online loan big data system to obtain more detailed user consumption data has emerged

If you are just worried about visa and credit problems, then basically the impact will not be too big, although you will check the bank, but give more money can basically pass. Unless your character is really bad.

Big data of online lending can be regarded as a footprint left by you in Internet finance, which can only be seen by you or those authorized by you.

Online loan big data will not affect your normal life, nor will it affect your mortgage, but if your car loan is auto finance, then it will have a certain impact, and maybe the financial company will refuse to give you a car loan.

Query big data by yourself, the data platform is connected to the online loan database, if there is a user in the online loan overdue or compulsory, sued by the online loan company, this data report will show information.

There is no impact, there is basically no network big data, and the system data is not interoperable with each other, so it cannot be formed into big data.

Big data on the network, the difference is whether you are logged in or not

Without registration, all your information is of little value to the platform. Basically, it won't affect you anything.

However, you can rest assured that the platform has your data and will only provide you with services that are more in line with your needs, and will not do anything against you. If so, report it immediately.

Note: If the information obtained after being installed by criminals after installing the Trojan, please take care of your finances and ** report safety to your family. Just in case!! Best wishes.