How to check the online loan under your name

The online loan under your name can be inquired in the following two ways: Now there is a central bank in our country.

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

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.

First of all, the borrower can bring his valid personal identity certificate to the branches of the People's Bank of China in various places for inquiry; Second, users can go to the People's Bank of China Credit Information Center.

Check the official website. These two inquiry methods can only check the online loan connected to the credit information center, if the online loan platform.

If there is no access, the query cannot be found.

Second, it is relatively simple to query online loan data, and you can quickly obtain reports through some online loan big data systems that provide online loan record query, and you can view the number of user applications, 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. When borrowing money on an online loan platform, users must choose a formal one, because the interest rate of the regular platform is within the range stipulated by the state when borrowing, which can protect the interests of both borrowers and borrowers.

When borrowing, different platforms give different borrowing interest rates, but when borrowing, you can choose a lower borrowing interest rate, so that you can pay less interest after borrowing. The online loan platform that everyone is more familiar with has borrowing.

Online business loans, micro loans, Jingdong gold bars, and money to spend.

If you can't repay the loan on time after borrowing, the platform will upload it to the credit information center and personal credit.

If it becomes non-restrictive, it will affect the processing of various loans. At the beginning of the online loan, the amount of borrowing is about a few thousand yuan. However, the online loan platform will comprehensively determine the amount of money that the user can borrow based on the materials submitted by the user.

However, with the increase in the number of user uses, the amount of money that can be borrowed from online loans will gradually increase, and the borrowing needs of users can be met in the future.

At present, there are two inquiry channels to check all of a person's credit and online loan records.

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.

Extended Information: There are several reasons for personal credit damage:

1. The credit card has been overdue for three consecutive times and six times in total.

2. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months.

3. The monthly payment of the car loan is overdue or non-repayment for 2 to 3 months.

4. The loan interest rate is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas bills are not paid on time.

6. Vicious arbitrage behavior of personal credit cards.

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.

If you don't know the situation of your own network black big data, you only need to search: Xiaoqi Xincha, 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, and everyone must be sleepy or pay attention to what they can when borrowing money.

3. How to eliminate the lack of comprehensive scores?

If the application for a credit card is rejected and the reason given by the bank is that the comprehensive score is insufficient, it is recommended to check which party has the problem 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.

Summary. Hello dear! If all the online loans applied by the user are on the credit report, then you can check all the online loans under your name by checking the personal credit report.

At this time, in addition to checking the personal credit report, you also need to check the text message in the mobile phone, and the online loan will send a text message to remind the user to repay the loan when it is close to the repayment date. Therefore, users can use the above methods to query all online loans under their names, of course, after the user successfully applies for a loan, it is best to be able to record it by themselves.

Hello dear! If all the online loans applied by the user are on the credit report, then you can check the personal credit report and you can find out all the online loans under your name. At this time, in addition to checking the personal credit report, you also need to query the text message in the mobile phone, and the online loan will send a text message to remind the user to repay when the repayment date is approaching.

Therefore, users can use the above methods to query all online loans under their names, of course, after the user successfully applies for a loan, it is best to be able to record it by themselves.

The specific process of checking whether there is an online loan under your name is as follows: Bo 1, log in to Alipay; 2. Find "Security Settings" on the Alipay settings page; 3. Then click "Authorize" to view the third-party loan platform that you have authorized, and you can see which online loans you have borrowed. In addition, with the country's supervision of online lending, most formal online lending platforms will be on the credit report, and the loan record will be reflected in the personal credit report, so you can check the personal credit report to know which online loan platforms you have borrowed money from.

The inquiry method of personal credit report is to bring your valid identity document directly to the local People's Bank of China counter to apply for inquiry, and there will be staff to help you make the inquiry. The process of online loan is mainly as follows: 1. The borrower logs in to the online loan platform, enters the application page, and fills in the personal name, ID number, residential address, contact**, loan amount, loan purpose and other information according to the prompts; 2. Read and sign the loan agreement and submit the loan application; 3. The platform reviews the information submitted by the customer, and evaluates the customer's credit status through big data and platform risk control (some loan platforms are connected to the central bank's credit system, and the customer needs to sign the "Personal Credit Reporting Business Authorization Letter" when applying, and the platform will review the customer's credit status through credit information); 4. After the platform completes the review, the audit results will be issued; 5. If the review is passed, the platform will release the loan to the account designated by the borrower.

When the loan arrives, the platform will send a message notification to wait for the payment to arrive

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

If you want to check your online loan records, you can query from the central bank's credit information and online loan data respectively, so that the data is more comprehensive.

1. The central bank's credit report returns. The respondent is required to bring his or her 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.

2. After checking the credit report, you need to check the online loan database.

If you want to query the online loan data report, it is relatively simple.

You only need to open WeChat and search: 79 data. Click to query, enter the information to query their own Baihang 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 situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

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 79 data, 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.

Summary. Dear, I'm glad to answer for you, the channels for inquiring about online loans under your name are:1Go to the counter of the People's Bank of China to apply for an inquiry, provide your personal ID card and fill in the application form;

Dear, very high hail Bi Xing will answer for you, and the channels for inquiring about the net Huiming loan under your name are: 1Go to the counter of the People's Bank of China branch to apply for source investigation and missing inquiry, provide personal ID card and fill in the application form;

In addition to the well-known state-regulated bank of the People's Bank of China for inquiring about online loans in the name of personal credit information, the function of inquiring about personal credit through online banking has also been opened in China CITIC Bank and Bank of Beijing. In the credit report, Wu Fan will have corresponding records of the name of the online loan, the loan situation, the payment of orange liquor, and the overdue situation, including the inquiry of personal credit through the online loan application.

The channels for inquiring about online loans under your name are:

1. Go to the counter of the People's Bank of China to apply for inquiry, provide personal ID card and fill in the application form;

In addition to the well-known national bank of the People's Bank of China for inquiring about online loans in the name of personal credit reporting, the Bank of China CITIC and the Bank of Beijing have also opened the function of inquiring about personal credit through online banking. In the credit report, there will be corresponding records of the personal online loan name, loan status, payment status, overdue situation, including the inquiry of personal credit through the online loan application.

Online loan repayment methods.

1. The equal principal and interest repayment amount is a fixed amount every month, and the user only needs to repay the fixed amount on time.

2. The monthly repayment amount of the equal principal decreases from more to less, and the amount to be repaid by the user every month is decreasing.

3. Interest first and principal later is also called monthly interest payment and principal repayment at maturity, which means that the borrower will repay the loan in a lump sum on the maturity date. <>