When you need money urgently, you can download a loan platform on your mobile phone and borrow a sum of money to solve your urgent need. Although mobile phone small loans are good, it is possible to spend your own credit information. Today, let's take a look. How to inquire about the non-creditability of microfinance? How do I know if a small loan company is granting credit?
How to check that small loans can't get credit information? First of all, we should understand that the small loan products of banks, credit cooperatives, auto finance companies, consumer finance companies and other financial institutions are basically the credit information system at the meeting. Because such financial institutions have long-term cooperation with the central bank. In addition to the above financial institutions, some companies also have some small loan products. Mainly depends on who is the lending institution behind the loan. Most companies can't provide so many loans by themselves, and there won't be only one lender behind them. However, some lending institutions are connected to the central bank's credit information system, while others are not, resulting in the same platform. Some loans are credit loans, while others are not. You can look at the loan agreement when you borrow money. If the agreement says "agree to inquire about the credit report", it means that the loan will be granted at the meeting. If there are no words such as inquiry in the contract when borrowing money, then it is likely that credit will not be obtained. Because no organization can inquire about the user's credit report privately, if it wants to inquire, it needs to obtain the user's consent, so there will be clauses in the loan contract. The above is the answer to the related question "How to inquire whether microfinance can obtain credit information". I hope I can help you!
2. Does Zhongan Small Loan inquire about the credit limit?
Zhongan makes small loans and collects credit information. Zhongan Small Loan is an Internet platform under Zhongan Insurance, and the lender of funds is a bank or other licensed financial institution. Therefore, if users use Zhongan Small Loan overdue or illegally, they will be reported to the Credit Information Center, which will affect personal credit information.
3. How to check how many small loans are on the credit report?
At present, there are two kinds of inquiry channels to inquire about all the credit information and online loan records of a person.
1, central bank credit report. You need to go to the local central bank outlets to inquire. The credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past five years.
2. After checking the credit report, you also need to check the online loan database. Only excellent information is available. Click Query and enter credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data letters.
Extended data:
Personal credit information is damaged for several reasons:
1. The credit card has been overdue for three consecutive times, totaling six times.
2. The monthly payment is overdue for 2 to 3 months or not returned.
3. Monthly car loan payment period or no repayment.
4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. Water, electricity and gas charges are not paid on time.
6，a。
Fourth, how to judge whether to go to the credit reporting agency to judge whether to go to the credit reporting agency?
Overdue loans issued by banks usually leave credit stains on credit records. Corporate loans can't get credit information, depending on whether small loan companies have an interface to connect with central bank credit information.
The data shows that there are less than 100 enterprises accessing the central bank's credit information interface in China. In other words, in most companies bidding, the borrower's loan record will not be recorded in the personal credit report. However, there will be a "blacklist" of the credit enjoyed by the company. If you always fail to pay back in loans overdue, not only can you not borrow money from this small loan company, but other small loan companies will also shut you out.