The first type: the personal credit information system of the central bank.
Even if some products of online lending platforms do not go to the central bank for credit information, they will refer to the user's personal credit report when reviewing user information. If you want to check whether your personal credit report is seriously overdue, there are generally two methods:
1. Take the original ID card and a copy of zd and go to the credit information hall of the local people's bank for on-site inquiry.
2. Log in to the online personal credit inquiry system of China People's Bank.
The second type: third-party big data platform
Online loan users can also check their credit qualifications by docking third-party big data risk control platforms, such as Pengyuanzheng Letter, Lacarra and Sesame Credit in WeChat. The former has established data cooperation with more than 98% online lending institutions in the market, so its query results are very accurate. Intuitively, you can not only know your own big data and credit situation, but also get various indicator data.
The blacklist data of online loans are shared in most loan platforms, which means that if the borrower fails to repay or owes money on one platform, such bad records will also be made public on other loan platforms, so everyone must be careful to maintain their online loan credit, otherwise they will not be able to obtain online loan products with good personal credit when they encounter economic crisis again.
Just look for "Jin Fei Kuaicha" on WeChat. Look at big data and try to remedy it if you can. It gives advice and I check it for my children and myself. Now the information about naked loans is everywhere on the Internet, and I'm afraid my children can't stand the temptation to mess around outside.