Online loan black households refer to online loan black households and blacklists, referred to as online loan black households, and generally refer to people on the online loan blacklist. There are several aspects. One is the black account of the bank, which is the blacklist in the credit information system of the People's Bank of China. If the user has overdue or bad behavior, it may be recorded in the credit report. Banks and other financial institutions will retrieve these records before lending. If the credit is not good, it will not pass the loan, so it is commonly known as "black households".
At present, many online lending platforms have introduced credit scoring systems, and many online lending platforms have realized blacklist data exchange, sharing borrowers' loan records with other lending platforms. These platforms will set people whose online loans are seriously overdue or even refuse to repay as cyber hackers, and jointly block all online lending platforms.
After being blacklisted, loans will basically be rejected on the online lending platform.
You can try to get your own online loan big data report on data query platforms such as WeChat: "Deep check the data" and analyze your credit situation. If it is found that the online loan big data has been hacked and you want the big data to return to normal, it is recommended that there should be no loan application operation within six months.