Where can I check the big data of online loans? How often should it be cleared?

It has become a cyber hack, and it is easy to be rejected if you go to apply for a loan again.

Once you become an online black, you will not be able to apply for an online loan, your qualifications will not meet the standards for applying for a car loan, and you will not be able to apply for some bank credit cards, which will even affect Alipay's Huabei and borrowing.

This is also because Alipay has queried the user's online loan data and found that the user has the risk of overdue, so in order to reduce the bad debt rate, it will be closed or reduced.

Many users believe that as long as they are not overdue, they will not become blacklisted for online loans.

Actually, this thinking is wrong.

There are two types of online loan blacklists; One is the blacklist caused by overdue, and the other is the blacklist caused by too many online loan applications in a short period of time.

Among them, users can judge whether they are blacklisted users of online loans 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 better help users find their own shortcomings and improve the pass rate.

The popular saying on the Internet is that the big data of online loans will be updated once every 3 to 6 months, and once you pay off the arrears, you just need to wait silently for the next update of the big data system of online loans, because the previous bad records will be overwritten with the system update.

Hearing this statement, don't be too happy too early, because the above statement is not accurate enough. In other words, online loan big data will not empty the historical data every few months, and your past "account" will not be written off because you pay off your debts. Although the big data of online loans will be automatically emptied, you still need to have a detailed understanding of your online loan situation, and you can query the relevant content of online loan big data on similar platforms such as Shiyi Data.

As long as you have a comprehensive grasp of your online loan data and information, you can decide what to do next.

At present, only some online lending institutions in the market will connect the information of institutional loan users with the bank credit report, so that only part of the online loan situation can be seen on the bank's credit report, but with the establishment of the Baihang credit information system, the banking business understands the user's online loan big data in the third-party credit inquiry system.

Users can pull an online loan big data in Baiyi Data to check their credit situation, see if their ID card and mobile phone number are at risk, and have detailed data on their online loan history, online loan overdue details and blacklist information.

In general, we can see that personal credit has been used to a certain extent in all fields of society, and users themselves should also understand their bank credit and online loan credit, make regular inquiries, and resolve the risks in the credit status of online loans, so as not to affect their future credit status and daily life.

1. Generally, it is a five-year loan record, but the loan platform will mainly look at the borrower's data in the past two years when reviewing.

Generally speaking, it is 5 years, but it depends on the specific situation.

Generally speaking, as long as you check the central bank's credit and online loan data reports, you can clearly know your various credit data information.

1. For credit inquiries by the central bank, you need to bring your identity documents, go to the self-service inquiry machine of local business outlets for inquiry, and issue a personal credit report on the spot.

Second, it is relatively simple to query online loan data, such as Hui and XinQuick check of gimbalYou can quickly obtain the report, and you can view the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. You can also know the details of the overdue online loan, including the number of overdue days, the overdue amount and the overdue platform. The content of the report is very detailed and specific, which can provide you with a comprehensive information report, so that you can reasonably process your own data according to the report, which is of great help to yourself.

Within 5 years.

There are two kinds of credit databases that are more commonly used in China: online loan database and central bank collection.

At present, there are two ways to query big data credit in the past 5 years.

Generally, it is within five years, but most of the current online loan platforms only look at the repayment records of the past three months, and applicants need to maintain good payment and repayment records during this period.

Now many loan platforms will check, so before taking out a loan, you can check your online loan big data on Alipay Fenteng data to detect whether you are currently suitable for a loan, if you detect that you are in the online loan blacklist, then the probability of applying for a loan will be very small.

Hello, applying for an online loan will check your personal credentials, and you will check your current economic situation when you start working. If you are on the blacklist, you can't get an online loan.

First, the front. If you want to inquire about online loan big data, you usually inquire at private inquiry systems and third-party data platforms such as Beijian Quick Check, Baihang Credit Investigation, Xiaoqi Credit Check, etc., and the People's Bank of China generally cannot find online loan big data.

2. Specific analysis.

There are many private inquiry systems, and we should pay more attention when choosing, and choose those formal and large-scale institutions. Because small organizations are generally not reliable, in case personal information is leaked to make a banquet, it will also cause security risks; Moreover, the data queried by small institutions is generally not comprehensive.

If you want to check the credit of the central bank, you can directly bring your ID card to the credit information center of the local People's Bank of China; You can also go to the local commercial bank outlets authorized by the People's Bank of China to inquire; Or directly log on to the official website of the Credit Information Center of the People's Bank of China 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.

If you want to query the online loan data report, you can search in the pure search: Beijian Quick Search, you can view the number of applications of the user, online loan data, Internet black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. And the query data is very accurate and comprehensive.

3. What does big data mean by online lending?

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 lending platforms.

When borrowing, if the user's credit history is too poor according to the big data of online loans, it will affect the application for borrowing.