1, Credit Information of China People's Bank.
This is the most authoritative, comprehensive and credible blacklist query system. The People's Bank of China has not authorized any institution or APP. You'd better look for the "People's Bank Credit Information Center" directly on the Internet. After registering and logging in, you can easily check your credit information.
Of course, there is no clear "blacklist" standard in the financial industry, and the risk control of each bank is different. Generally speaking, it is difficult to apply for mortgage, provident fund loans, credit cards and other credit products if they meet the conditions of three consecutive years, bad debts, and overdue in the current period.
2. People's Bank Credit Information
As the largest private credit platform at present, it will be officially put into operation on 20 19. Eight companies, including Sesame Credit, Tencent Credit, Qianhai Credit, Koala Credit and China Credit, were established together, basically covering the formal and reliable platform data in the industry. If you often apply for licensed small loan companies and consumer financial products, you should also be able to find data in the credit information of 100 banks.
3. Private credit report
Sesame Credit is one of the credit information systems with the largest number of users and the highest frequency of use. Many online loans will authorize sesame points. If sesame scores are low or have negative records, it will not only affect Alipay loans such as flower buds, borrowing buds and online business loans, but also affect online loan authorization. The rate will also have an impact, you can check it. In a word, don't trust those online blacklist query systems casually. After all, it is easy to expose your identity by providing your own detailed information. It is best to choose safe and reliable channels.
When many people apply for online loans, they are told that they have become black households because of insufficient comprehensive scores. If it is not the illegal households caused by overdue, you need to find other reasons. For example, is it caused by the high frequency of online loan applications? You can find your own unclear place in "Kingfisher Data". As long as you understand the reasons for becoming a black household, you can improve online loan big data according to the situation.
Extended data:
Can I take the train to the blacklist of online loans?
Online loan blacklist can take the train. Accurately speaking, the blacklist of online loans has nothing to do with whether you can take the train or not.
Because first of all, whether you can take the train depends on whether people's credit information is broken or not, not whether online loans are blacklisted. Most online loans have their own independent credit information system and are not connected to the central bank's credit information system.
Secondly, as long as it is not included in the list of untrustworthy people by the court, normal travel will generally not be affected, and naturally you can take the train.
Moreover, even if it is included in the list of untrustworthy people, it is restricted to take planes and high-speed trains, while ordinary trains can still take them.
In the "Several Provisions of the Supreme People's Court on Restricting the High Consumption of the Executed Person", it is clearly stated that if the executed person is a natural person, after being restricted from high consumption, he can't choose the second-class or above cabin of the plane, train soft sleeper or ship when taking the means of transportation; You can't take all the seats of the G-prefix EMU train, and you can't take the first-class seats of other EMU trains.
We must pay attention to maintaining good personal credit in peacetime, so as not to affect normal travel and daily life.