How to check what online loan you have applied for under your name?

In order to protect your credit history, you must pay attention to your online loan data records in a timely manner.

In fact, there are two types of online loan products, one is a large formal loan with a credit investigation, and the other is a small loan that does not check the credit investigation. On the credit information product, you can operate on the credit information center of the central bank, and the specific operation steps are as follows:

2. Find "Core Business" below and click "Internet Personal Credit Information Service Platform";

3. According to the prompts, enter your name and ID number, and wait for the query report.

As for those small loan products that do not check the credit information, in fact, you can also learn through some professional big data query platforms, such as Jianwei Data, Pengyuan Credit, Tongdun Technology, Sesame Credit and other platforms, as long as you find the WeChat of these platforms, you can get your own online loan big data credit report for the first time.

Regularly inquiring about your online loan big data actually has two major advantages, one is conducive to your future loan application, when you understand your own credit status, you can avoid those online loan products that are far from your own credit conditions, not only save time and effort, but also avoid your own big data to become spent. Second, finding out your online loan big data can help you find abnormal information in a timely manner, such as whether your mobile phone number and ID number have been loaned or registered.

At present, it is impossible to query the name of our specific borrowing online loan platform and the specific borrowing amount in any database.

You can only query some information such as the number of loans, the number of overdues, the approximate amount of overdue, and the score of the Internet black index.

Click on the query to view our data report, online loan application records, online black index scores, hit risk warnings and other important data.

Bring your ID card to the People's Bank of China branch, find the credit inquiry window for inquiry, and provide your ID card and fill in the application form when inquiring.

Public places or banks in the city are equipped with self-service credit inquiry terminals, and users can bring their ID cards to check.

Inquirers can log on to the official website of the People's Bank of China Credit Information Center and find the Internet Personal Credit Information Service Platform column to view.

The specific process of checking whether there is an online loan under your name is as follows:

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 credit reporting, and the borrowing record will be reflected in the personal credit report, so you can check which online lending platforms you have borrowed money on by querying the personal credit report. 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 inquire.

The process of online loan is mainly as follows:

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 information system, and the customer needs to sign the "Personal Credit Investigation Business Authorization Letter" when applying, and the platform will review the customer's credit status through credit investigation);

4. After the platform review is completed, the audit results will be issued;

5. If the review is passed, the platform will lend the loan to the account designated by the borrower. When the loan arrives, the platform will send a message notification, and the customer can use it as soon as the payment arrives. If the review is not passed, the system will also notify the customer.

Online lending is different from financial institutions, Jinyu Qiaorong institution is a "net capital" management, whether it is a bank or a trust company must have its own registered capital, its registered capital is less than hundreds of millions, more than a billion or even billions, and the registered capital is not used for operation, but a kind of guarantee, a kind of "threshold". However, due to the low threshold of online loan companies, there is no guiding opinion, and platform software can be bought in thousands to tens of thousands, and many people who owe a lot in private loans have bought a platform virtual borrower and virtual collateral items to attract investors to invest at high interest rates. The high interest rate is generally at least 30% per annum, and some platforms reach 50%.

First, the front. The comprehensive score is a comprehensive score obtained by evaluating and reviewing the user's age, educational background, work unit, residential address, economic income level, debt status, credit status and other aspects.

2. Specific analysis.

If an application for a credit card or loan is rejected due to insufficient comprehensive credit score, it is not possible to find out what the comprehensive credit score given by the bank or licensed consumer finance company is. However, you can contact your bank or licensed consumer finance company and ask the staff for the specific reason to see what is causing the lack of a comprehensive credit score.

Most people's lack of comprehensive scores is due to problems with credit reporting and big data.

You can go to the branches of the People's Bank of China to inquire about credit and go to big data platforms such as Beijian Quick Check, Xiaoqi Credit Check, and Tongdun Data to query big data.

Of course, a lack of overall score is not necessarily the cause of bad credit. Since it is a comprehensive consideration, it is also possible that the comprehensive credit score is insufficient because of the existence of long loans and excessive debt, which is reflected in the big data report.

As long as you find: Beijian Quick Check, you can query your own online loan big data report with one click, which will have your credit rating score, whether there is a blacklist and other important data.

If you want to avoid the situation of collecting the problem of having your address book exploded, the best way is to repay the loan on time to avoid the occurrence of overdue. Because if it is not overdue, the online loan platform will not collect, and if it does not collect, it will naturally not be exploded.

Of course, some people laugh at Biwu because they really can't afford it, and they cause it to be overdue. If the interest rate is too high, you can check whether the interest rate meets the standard of usury. And if it is a loan shark, you can sue the other party in court.

The borrower only needs to repay the portion of the legal interest.

In fact, the reason why the address book was exploded is because when people apply for online loans, they usually need to authorize the online loan platform to read their address book information. And if you don't authorize and agree, you generally can't get a loan. Therefore, this will lead to the situation that after the borrower is overdue, it is inevitable that the online loan collection will explode the address book.

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 this type of online loan is overdue, it will have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Check your online loan history, overdue details of online loans, debts, dishonesty information, and online loan blacklists.

3. How long does it take for the online loan blacklist to be erased?

Pay off the arrears as soon as possible and negotiate with the other party.

Here are some suggestions to start with the following aspects to deal with getting rid of the online loan blacklist.

1. Do not lose contact, negotiate with the arrears platform, inform the reason for the inability to repay, and strive for the understanding of the other party;

2. Negotiate the repayment plan and try to pay off the loan as soon as possible, especially in terms of interest, and strive for reduction;

3. After confirming the repayment plan, repay the loan in strict accordance with the requirements and do not miss the appointment.

Under normal circumstances, if you can actively and properly deal with overdue events, the information on the online loan blacklist can still be eliminated. However, you need to be wary of ads that can eliminate bad information by spending money.

There are two ways to inquire about online loans under your name. 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; Secondly, users can go to the official website of the Credit Information Center of the People's Bank of China to inquire. These two query methods can only check the online loans connected to the credit information center, and if the online loan platform is not connected, it will not be queried.

When borrowing money on the online loan platform, users must choose the 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 the borrower and the borrower. 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.

If you can't repay the loan on time after borrowing, the platform will be uploaded to the credit information center, and the personal credit will affect the handling of various loans after the personal credit becomes poor.

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.