How to tell if you have taken out an online loan? What to do?

1. The big data information of online loans mainly includes the following points:

1. Personal information: refers to the basic information of the borrower, such as the borrower's name, mobile phone number, ID card number, operator, and address book, through which the online lending institution can understand the borrower's economic information and social image.

2. Contact information: There is a record of breach of contract or dishonesty in credit institutions and judicial organs, etc., and they are included in the blacklist, and such people have direct contact with the parties to the inquiry, or have direct contact with the friends of the parties, resulting in an indirect contact relationship.

3. Lending behavior: including user registration, loan application, repayment, overdue and other records, these are extremely important credit data, and users who are seriously overdue or have too much debt will be eliminated.

4. Risk details: For example, whether the borrower has entered the criminal wanted list, vehicle leasing default list, abnormal transfer and order taking, telecom fraud, fraudulent subsidies, tax arrears and other high-risk watch lists.

Basically, all online loans will be online loan big data, and the information of online loan big data is shared, so once there is a stain, the loan will be rejected.

Second, you only need to open WeChat and find: Blue Ice Data. Click on the query and enter the information to query your own Baihang credit data, which comes from more than 2,000 online loan platforms and UnionPay centers across the country.

3. If the borrower has serious overdue behavior, then the borrower will face court prosecution. The platform will sue the borrower to the court, if the borrower still refuses to repay at this time, then the court will include these borrowers in the court's list of dishonest execution, which is commonly known as the "old lai", if it becomes an old man, these borrowers will become difficult to travel.

Xue Xuan, Xuan

Hello, if you want to check whether you have taken out an online loan, you can go to the People's Bank of China to inquire about personal credit information, and the list will show all your personal credit cards and loans.

Go to the People's Bank of China to check for credit.

Nowadays, there are many news about personal information leakage and loans, because many high-interest microfinance companies can lend as long as they have ID card and other information.

At present, there are two channels to inquire about all the online loan records of a person.

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 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.

You can check through the credit report.

Here's how to do it:

1.Go to the home page and click on the Internet Personal Credit Information Service Platform.

2.After entering, click Login, fill in the login name, password, and click Login.

3.Authenticate. Users can choose the verification method of bank card, digital certificate or mobile financial IC card to obtain the verification result in real time. If you select the question verification method, you will receive the review result by SMS 24 hours after submitting the application.

If you fail to pass the identity verification many times, you can switch to other verification methods or go to the local branch of the People's Bank of China to check the credit report on the spot.

4.Submit a request for inquiry. The platform provides three products and services: personal credit information prompt, personal credit information summary and personal credit report.

Personal credit information reminder reminds registered users in a sentence whether they have overdue records in the personal credit reporting system for the last 5 years; The Personal Credit Information Summary presents a summary of the personal credit status of registered users, including aggregate information of credit history, public records, and inquiry records; The personal credit report shows the basic information of the registered user's personal credit information, including the detailed information of the credit history, some public records and inquiry records.

5.Get the query results. After the processing of the credit information product is completed (generally on the second day after the inquiry application is successfully submitted), the platform will send a text message containing the identity verification code to the user.

Users can log in to the platform and use the authentication code to view the query result within 7 days after receiving the authentication code.

The query report is more detailed, and the report will display the user's application record, online loan data, online black index score, hit risk warning, untrustworthy information, etc.

Prevent cybercriminals from applying blindly.

Although the online loan data report is not on the internal credit report, in fact, for many users, some bank credit cards will be greatly affected when applying for car loans in the future.

Personal credit report can be checked and printed in the local bank, remember to bring your ID card, it is recommended that the number of credit inquiries is not too much, it is best to do less than two times in a year, otherwise it will cost personal credit data. At present, many online loans are also connected to personal credit reports, too many online loans will affect credit information, it is recommended to check whether the credit has affected the credit information, so as to maintain the credit data, you can click on the web link to query, which accurately and comprehensively records the personal credit data, and no bad records will not affect the credit information.

There are many types of online loan platforms, and now it is not surprising that borrowers are overdue in arrears, and borrowers have hope for tomorrow and have no hope of repayment. It's just that in this way, it will be easy to have a tainted record, and the current credit report in the central bank is recorded and archived.

So it seems that only Alipay has done this piece of "Yichu information", where you can fully know your personal data and know the abnormality in time, so the borrower only needs to guarantee the credit if it is overdue, and it is good to know more!

Check your online loans that are not on the credit reportClick on the query, and you can query your own online loan big data report. Your online loan credit rating score, whether there is a blacklist, application records and queried records will be displayed, and you can also see the sample template before querying.

In the Internet era, it is very simple to check whether you have an online loan record, and it is also very safe, and it will not cause privacy leakage.

You can query the online loan platform you apply for, if others provide ID number, mobile phone number, name can also query other people's online loan big data, the database is connected to more than 2000 online loan data centers across the country, the data is very comprehensive, the user's application information, application platform type, whether overdue, overdue amount and other information will be displayed through the big data report.

If the user is threatened to apply for arbitration or litigation after the deadline, then the database can also be used to query whether there is arbitration information, court prosecution information, court dishonest persons and other information.

To check whether you have an online loan, you can check whether it has an online loan through the Credit Information Center of the People's Bank of China, and the specific operation steps are:

1.Open the official website of the Credit Information Center of the People's Bank of China.

2.Click on "Internet Personal Credit Information Service Platform" on the home page.

3.Once you're in, click on "Start Now".

4.If the user has not registered, you need to click "New User Registration" on the right. After registration, you can log in directly to inquire.

You can go to a credit report and bring your ID card If there is a Bank of China mobile banking, there is also a credit inquiry system.

Here's how to see if you've been loaned online:

1. Users can bring their personal ID cards to offline People's Bank of China service outlets for inquiries. Users need to submit an application for inquiry at the online loan credit window;

2. Users can log in to the official ** of the People's Bank of China, and then make inquiries on the Internet Personal Credit Information Service Platform;

3. Users can go to some third-party data platforms to inquire about online loan big data to see if there is a record of individual applying for online loan in the big data.

Online lending, P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a sub-category of the Internet finance imitation lead brother (ITFIN) industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015. In September 2019, the Leading Group for the Special Rectification of Financial Risks in Internet Preparedness and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Reporting System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

Legal basisArticle 678 of the Civil Code of the People's Republic of China.

The borrower can apply to the lender for an extension before the expiration of the repayment period; If the lender agrees, it can be extended.

These illegal online loans all have the following characteristics.

The first is the high-interest bait, which was originally established for the purpose of fraud, fabricating the information of borrowers (enjoying low-interest loans), using high interest rates as bait, and attracting investors to invest a large amount of money and flee after the second mark through false propaganda and second mark. This is their ultimate goal. So just be careful!

Now as long as you have to see Zheng Meng to a high interest, you should give up directly, don't have any luck mentality, the world will not drop pies.

The second is self-financing, which means that the borrowing projects on the platform are all affiliated enterprises or fictitious borrowing targets of the platform, and the raised funds are misappropriated for their own use. Once the parent company or the person in charge cannot repay the principal and interest in time, the capital chain will be broken, and the platform will face the danger of bankruptcy or the person in charge running away. Many P2P platforms can't get back the principal in the end, which is the reason.

It is difficult for you to recover the stolen money on the financial platform, after all, the outflow of these funds finally goes to all aspects of society, which is also a normal financial activity! It's also hard to tell if this kind of money transaction is illegal!

In the actual Internet finance industry, the illegal operation of the problem platform is often through the release of false targets, the establishment of their own capital pool, and not through the depository of a third party, and finally embezzle funds for other investments without the knowledge of investors, once the investment fails to appear bad debts or overdue, the losses will be borne by the investors. This puts investors at a very disadvantaged position in the process. Even a lot of borrower information is their own virtual information, which does not exist at all, and it is difficult for ordinary people to see it, and they only find out that they have been deceived when there is a problem, but it is already too late!