1. Inquiries about loan platforms are free, but you need to know which loan platforms you have registered your account with, so that you can log on to the loan platforms and check whether you have borrowed money in the loan records. If there is no record that there is no loan, if there is, you have to confirm whether you have handled it yourself. But only for a single platform, you can't view the records of other platforms.
2. Inquiries through the credit report can only be made for the platform accessing the credit information system free of charge, but not absolutely free, because the number of times per year is limited, and only the first two inquiries are free. If the number of times exceeds, it will be charged at the price of 10 yuan each time.
And there are two kinds of inquiry channels. One is online inquiry, for example, on personal credit information platform or authorized bank APP, such as the four major state-owned banks. After submitting the inquiry, the check code will be issued within 24 hours. After logging in, use the check code to obtain the credit report and find the shortened version of the credit report; One is offline query. You need to bring your valid ID card, go to the local credit information center outlet, and check through the self-service inquiry machine or counter, and you will find detailed credit information.
Finally, I would like to remind you that no matter through what channels, if you find that you have a loan under your name, but you didn't handle it yourself, you can collect relevant information, find a loan platform or a credit information center to file an objection application, so that you can cancel the loan and repair the credit information. Generally, the processing is successful within 20 working days, and it will be cancelled after verification.