Want to query online loan big data, generally in some private inquiry systems and third-party platforms.
Second, the specific analysis
There are many folk inquiry systems, so we should pay more attention when choosing them. To choose those formal large institutions, we generally do pre-lending audit on platforms such as Beijian Express Inquiry, Winnie Hsin Inquiry and Tongdun Data. Because small organizations are generally unreliable, a person's information will be leaked, which will also cause security risks.
If you want to check the central bank's credit information, you can bring your ID card directly to the local central bank's credit information center. You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to official website, the central bank, and query directly on the computer.
Central bank credit reporting has little to do with online lending big data. If you apply for online loans, it is mainly based on big data and peaceful typhoon control; The application for bank loans and loans from lending institutions and platforms accessing the central bank's credit information system are mainly based on the borrower's central bank's credit information report.
Pay attention to personal credit at ordinary times, and don't blindly apply for loans. Otherwise, once big data is spent and you want to apply for loans, you will be refused loans because of insufficient comprehensive scores. You can get a big data report in Winnie Hsin, and clearly know your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the queried data is relatively accurate and comprehensive.
Third, what will happen if the comprehensive scores of all online loans are insufficient?
For the case that the comprehensive loan score is insufficient, it is suggested to contact the customer service of the lending institution/platform first to find out what specific problems will lead to this situation.
We should know that the comprehensive evaluation of the system will take into account many aspects such as age, education, marital status, work income, loan record, debt, credit status and so on.
If credit problems are found, it will take time to repair the damaged credit and accumulate more good records if the comprehensive evaluation of the system can reach the standard in the later period of borrowing (first, improve the credit for about three to six months, and if it is caused by overdue, you must pay off the debt quickly and cannot continue to default).
If you find that the debt is too high, and the recent frequent application for loans leads to long-term borrowing, and the credit information (big data) has been "spent", you need to find a way to pay off the debt under your name first. If you are still unclear, you can also pay as much as possible, which can reduce the personal debt ratio.
At the same time, it is best not to apply for a new loan for at least three months. Three months later, the situation of "spending money" in credit reporting (big data) has improved, and the personal debt ratio has also declined. At that time, the loan should be no problem.