How do I know if I have an online loan record?

When checking online loan records, generally only those who can inquire about the credit records, and those who do not have credit records do not have a suitable inquiry channel for the time being.

The methods of checking the online loan record on the credit report are:

1. Credit inquiry window: Individuals can bring their ID cards, go to the nearby branch of the People's Bank of China, find the credit investigation window, and submit an inquiry application to the staff.

2. Inquiry on the official website of the Credit Information Center: Individuals can log in to the official website of the Credit Information Center of the People's Bank of China, click "Internet Personal Credit Information Service Platform" on the home page, and then click "Start Now".

1. There are currently two ways to inquire about personal credit.

1. Open the browser, search for the People's Bank of China Credit Information Center, verify the problem after registering and logging in, wait patiently for the 24-hour verification code to be issued, enter the verification code to query your own simplified version of the credit, only the simplified version can be queried.

2. If you find the first way troublesome, then the second way is simpler and more convenient.

If you have determined that you have made several loans on the Internet, but want to know whether the records of these loans are on the credit system, in fact, you can directly search online, open WeChat, and search: Qitian Quick Check. Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay center, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, 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 Qitian Quick 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.

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 applications of the user, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. Among them, users can judge whether they are blacklisted users based on the online black index score.

The Internet Crime Index score represents the user's online loan credit score, and the lower the score, the better the credit. Hit risk alerts can help users better find their own qualification problems and improve the risk control approval rate of online lending platforms.

Extended information: The People's Bank of China Credit can be said to be the most authoritative and influential credit information system at present. The first is to bring the original and copy of your ID card to the surrounding People's Bank of China Credit Information Center for on-site inquiry.

Another way is to log on to the official website of the People's Bank of China Credit Information Center, enter your name and ID number according to the prompts, and wait for the electronic version of the credit report. In addition, it is reminded that the number of inquiries of the People's Bank of China should not be too much, and it is enough to know 1-2 times a year, otherwise it will cost you your personal credit.

Inquiries about online loan big data can be made through third-party platforms. The query methods of the major platforms of online loan big data are simple and diverse, as long as you submit your name, ID card and mobile phone number, you can get a detailed query report.

Big data credit inquiry, operator report inquiry, online loan blacklist inquiry, online loan application records, overdue records, personal loan records, personal online loan records, personal long loan records, personal Internet finance P2P platform loan records and other data.

Extended Materials. 1. How to check your personal credit report.

1. The central bank inquires about personal credit reports.

Generally, you can go to two places, the first is the local head office of the central bank, directly bring your ID card and your own valid documents, you can go directly to the head office of the bank to find the customer service manager to fill in the application form and then you can handle the business you want to check personal credit.

2. Check personal credit report online.

If you've made sure you've taken out a few loans online, but want to know if the records of those loans are on the credit bureau. In fact, you can directly search for data on the Internet. You can check your personal credit score, just find this WeChat mini program.

If you have overdue records online or loan records on multiple platforms, then your various records will be controlled by big data, and your online loan platform will be frequently rejected, and even your Huabei borrowing will be closed.

2. How to remove entry into the online loan blacklist?

1. Go to the online loan platform to check your detailed loan records and see the money you borrow, so as to avoid criminals using their personal information to lend, if you find that it is not your own loan, but someone else or criminals steal it, you should immediately call the police, and then contact the lending platform to explain the situation.

2. After checking your detailed loan records, and then confirming that it is your own borrowed money, you should pay off all the arrears and then contact the customer service of the corresponding platform to let them eliminate it.