1, go to the People's Bank of China for on-site inquiry. You can bring your ID card to the branch counter of the People's Bank of China or print your own credit report. However, there are not many online loans from the People's Bank of China, so you need to make corresponding arrangements in advance.
In addition, you can only go to the outlets of the People's Bank of China for credit inquiry on working days, and the People's Bank of China may not go to work on non-working days, so you need to make corresponding time arrangements. When printing a credit report, you can choose to print a short version or a full version of the credit report. A person can only print a credit report for free twice a year.
2. Go to the commercial bank authorized by the People's Bank of China to inquire about credit information. Since there are not many outlets of the People's Bank of China, in order to facilitate the inquiry of credit information, the People's Bank of China will authorize some commercial banks to have the function of inquiring and printing credit information. You can call the local people's bank to find out which commercial banks can check the credit information, and just bring your certificate.
Inquiring about credit information in commercial banks is similar to that of the People's Bank of China, which needs to be handled during bank working hours. The same person can only print the credit report twice a year for free. The mobile banking of some banks has also opened the right to inquire about credit information.
3. Inquire in official website, Credit Information Center of China People's Bank. If you don't need to print a full version of the credit report, you can go to the online credit information center of the People's Bank of China, register and log in your account information, and then you can apply for viewing your credit report.
However, the credit information inquired by the online credit information center is a simplified report, through which you can have a general understanding of your own credit information, but sometimes it can't be used as a loan voucher and needs some understanding.
4. Inquire about credit information through some third-party institutions. At present, there are some third-party organizations, such as Beijian Quick Check and Xiaoqi Credit Information, which have the function of inquiring about the credit of online loan big data. Click to query now.
There are many ways to query personal credit reports, so you can choose the appropriate way according to your actual situation.
Pay attention to personal credit and don't blindly apply for loans. Otherwise, once big data is spent, it will be rejected because the comprehensive score is not enough. Get a big data report in "Zhicha" and clearly understand your situation in online loan big data. The database cooperates with more than 2,000 online lending platforms, and the query data is accurate and complete. You also need to pay attention to personal credit.
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How to negotiate a one-time repayment of the principal when the online loan is overdue?
After accessing loans overdue, if you want to negotiate to return it slowly, you can contact the platform personnel directly.
After contact, explain your intention first, then explain your situation clearly and provide relevant information to prove that you don't owe money intentionally, but you really don't have the ability to repay. Then you can put forward a good repayment plan according to your own economic situation, apply for extending the repayment period and repay the arrears in installments.
The loan platform should be considered as appropriate. If an agreement can finally be reached, then it is only necessary to repay the arrears in installments on time according to the negotiated new repayment plan. If negotiation fails, you can adjust the repayment plan and negotiate as many times as possible.
It is really impossible to negotiate, so we can only find another way. For example, you can borrow money from friends and relatives around you and raise funds to repay the arrears. And everyone needs to pay attention. If you find that the interest charged by the loan platform is too high, you can actually collect evidence and report it to the platform.