2. There are many platforms in the market that can query big data, but too many big data queries will affect personal credit. You must choose a larger and more reliable platform for query.
Check whether big data charges are fraudulent.
Checking big data charges is not necessarily a scam. Personal credit report is the most authoritative credit platform at present, but it is generally inquired by users themselves or authorized by other institutions. The recorded credit data are submitted by the lending platform that has been connected to the central bank's credit information system, including some online loans. Now many websites can check it, but it will be more objective to check the data of credit inquiry, and there is a comprehensive risk check in the credit part.
In addition, although some online loans and micro-loans are not connected to the central bank's credit information, user behaviors on these platforms may also be collected by big data. Charging big data is mostly this kind of information.
There is more than one platform for querying big data on the market. Most of them can get corresponding data reports after payment, which can reflect the current borrowing situation of users, such as the number of loans, overdue times, whether there are multiple loans, etc.
Second, where does online loan big data come from?
Mobile phone name, mobile phone number and ID number all obtain loan information through the platform of online financial credit information system.
When querying big data, many platforms need the authorization of mobile phone operators. In fact, through big data analysis and comparison, the mobile phone number can also provide a lot of data, such as whether the mobile phone number is real-name authentication, whether the contact number is true, and whether there is a sensitive mobile phone.
Generally speaking, checking big data charges can't guarantee absolute security, but it can't be said to be a scam. The most authoritative inquiry platform for personal credit is the central bank's credit information system. There are two free inquiry opportunities a year, and their own inquiry records generally have no negative impact.
Big data credit reporting refers to individuals' credit evaluation and risk evaluation of loans or installment consumption behaviors on the Internet to see if there is a risk of default. Once there is a risk, it will leave a bad record. Scores based on comprehensive evaluation of multiple personal information data.
In general, big data credit investigation investigates individual multiple applications, risk behavior detection, overdue situation, blacklist situation, and court dishonesty. If you want to check your personal big data credit score, you can go to WeChat: Check and verify. The higher the credit score of big data, the worse the personal credit, and the loan application should be reduced.