The blacklist of online loans can be queried in the credit report of the central bank or the credit report of 100 banks.
1, central bank credit report. You need to bring your ID card to the local central bank's 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. 100 bank credit reports. Open wechat and look for it casually: Feiyu check it quickly. Click Query, enter information and find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.
How to check the blacklist of online loans
First of all, answer directly.
If you want to inquire about the blacklist of online loans, you can generally inquire 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.
There are too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can check it quickly in Beijian and check it out. The system provides the most accurate information for debtors, people who apply for excessive online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.
Third, the comprehensive score is not enough to borrow online loans?
When applying for a loan, the audit system of the loan company will evaluate the sum of the applicant's scores. If the score is lower than the system standard value, the loan application will be rejected, and it will be prompted that "the comprehensive score is insufficient". At this time, if you want to continue the loan, you must find out the reason why the score is not enough, and then you can continue the loan.
Some reasons for insufficient comprehensive score:
1. The application materials are incorrect or untrue.
When borrowing money, if the application materials are filled in incorrectly, the loan platform will not be able to confirm whether I have applied for a loan, and will naturally be rejected. In addition, fraudulent acts such as stealing other people's identity information and fabricating work units will also be directly rejected.
2. The qualification does not meet the loan conditions.
Loan platforms generally require applicants to have stable jobs and provide proof of income. If you don't have a job or have a low job income and no other economic proof, it will easily lead to insufficient comprehensive scores.
3. Have a bad credit record.
Many loan platforms have been connected to the People's Bank of China for credit investigation or granted credit through Sesame Credit. If there is a bad credit record before, once the platform checks personal credit, it is inevitable that the comprehensive score is insufficient.
How to check whether it has entered the blacklist of online loans?
Method/step 1:
If you enter the Xinyi website as shown in the figure, you can directly inquire about the blacklist of online loans, and you can also inquire about the authenticity of ID cards, driver's licenses, academic qualifications, personal foreign investment inquiries and multi-head lending inquiries.
Method/Step 2:
Click register, fill in the relevant information, and you can log in.
Method/Step 3:
After logging in, you can see that the interface has the function of querying relevant information. You can select the function to be queried and click Enter.
Method/Step 4:
Select the online loan blacklist and fill in the corresponding name, mobile phone number and ID number. This query item can be used to query whether the inquired person has loans overdue, bad faith, execution, suspected fraud, bad faith in administration or consumption, etc. In addition, please ensure that the ID number, name and mobile phone number match, otherwise the system will also deduct the fee.
Matters needing attention
You must ensure that the information you fill in is consistent.
You must ensure that you have obtained the consent of the inquired person before you can inquire about the relevant information.
How to check personal online loan credit on mobile phone? Has the recent rejection of online loan applications been blacklisted?
First of all, answer directly.
There are three ways to query.
Second, the specific analysis
1, telephone inquiry method
After loans overdue appears, you can take the initiative to call the customer service staff of the lending institution and ask the other party whether to share its overdue information with other lending platforms. If you share overdue information with other loan platforms, it is likely to become a network hacker.
2, official website query method.
At present, there are many loan platforms that expose the debtor's information on official website. You can log on to your online loan platform to see if there is any information about yourself in the list of debtors. If you have your own information in the list, then the probability of becoming a cyber hacker will be great.
3. Query method of credit platform
You can check whether you have become a cyber hacker through some online credit information platforms. These online credit platforms include Sesame Credit Score, Beijian Quick Check, Xiaoqi Credit Information and so on. If loans overdue information is found on these platforms, it is very likely that you have been hacked.
If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
Third, what should I do if big data is black?
If big data is black, we must find ways to remove credit stains, such as negotiating with online loans that leave records, agreeing on the amount and time of repayment, and trying to settle the arrears of online loans. Then ask online lending institutions to eliminate overdue records in big data, so that credit stains are eliminated. Don't apply for any online loan products in the next few months, so that big data can be slowed down, thus solving the problem of big data hacking.
How to check if you are hacked online? How do individuals inquire about the blacklist of online loans?
If you want to inquire about the blacklist of online loans, you can generally inquire in some private inquiry systems and third-party platforms.
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.
Generally, when people use the credit records of the central bank, they will leave traces of inquiries, which is not good for friends who borrow money, and most online loans have no credit function, so they can't find specific online loan information in the credit information, but now they can know their personal data through "Xiaoqi Credit Information". Without inquiry records, they can also learn more about overdue online loans, application records, untrustworthy information, online loan blacklists and other information.
Extended data:
Comprehensive score is not enough?
When applying for a loan, the audit system of the loan company will evaluate the sum of the applicant's scores. If the score is lower than the system standard value, the loan application will be rejected, and it will be prompted that "the comprehensive score is insufficient". At this time, if you want to continue the loan, you must find out the reason why the score is not enough, and then you can continue the loan.
Some reasons for insufficient comprehensive score:
1. The application materials are incorrect or untrue.
When borrowing money, if the application materials are filled in incorrectly, the loan platform will not be able to confirm whether I have applied for a loan, and will naturally be rejected. In addition, fraudulent acts such as stealing other people's identity information and fabricating work units will also be directly rejected.
2. The qualification does not meet the loan conditions.
Loan platforms generally require applicants to have stable jobs and provide proof of income. If you don't have a job or have a low job income and no other economic proof, it will easily lead to insufficient comprehensive scores.
3. Have a bad credit record.
Many loan platforms have been connected to the People's Bank of China for credit investigation or granted credit through Sesame Credit. If there is a bad credit record before, once the platform checks personal credit, it is inevitable that the comprehensive score is insufficient.