It is much easier to inquire about the credit information of hundreds of banks, which can be inquired by mobile phones, and because the credit information of hundreds of banks is a private credit information agency of the central bank, the data is complete and widely used. In daily life, financial services ranging from free deposits to car loans and credit cards are provided by Bai Hang Credit Information.
If the user's online loan is overdue, or the credit score in the credit report of 100 banks is reduced because of too many applications, it will be difficult to obtain financial services, and even lead to the closure of flower beds and lending circles.
Therefore, those who apply for online loans for a long time should check their credit information in time to prevent credit damage caused by blind application for online loans.
First, use a search engine to make a query.
If you have confirmed that you have made several loans online, but want to know whether the records of these loans have been entered into the credit information system, in fact, you can directly search online, open WeChat, and search: Qitian Kuaicha. Click "Query" and enter information to query your own 100-line credit data, which come from online lending platforms and UnionPay centers all over the country. Users can query their big data and credit status, obtain various indicator data, and query their personal credit status, blacklist status, online loan application record, application platform type, overdue amount, arbitration cases and other important data information.
Compared with the central bank's personal credit report, the atmosphere of personal credit record is more extensive, and the publishing institutions are more diverse, such as seven-day quick check and sesame credit score, which are all part of personal credit record. Generally speaking, they are more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report.
Blank credit report is a good thing, but it can't be a good thing. What you said is a good thing, which means that you have no record of bad information, and there has never been a case that loans overdue didn't return it. It's not good because the bank is not sure whether you really have good repayment ability, and sometimes it won't give you a loan.