At present, there are two kinds of query channels to query all the online loan records of a person.
If you want to inquire about your online loan records, you can inquire from the central bank's credit information and online loan data respectively, so that the data is more comprehensive.
1, the central bank credit report back. You need to bring your ID card to the local central bank. The credit report will show the user's loan platform, loan amount, loan term, negative information and other data in the past five years.
2. After checking the credit report, you also need to check the online loan database.
If it is to query the online loan data report, it is relatively simple to query.
First, use a search engine to make a query.
If you have confirmed that you have made several loans online, but want to know whether the records of these loans have been entered into the credit information system, in fact, you can directly search online, open WeChat, and search: Qitian Kuaicha. Click "Query" and enter information to query your own 100-line credit data, which come from online lending platforms and UnionPay centers all over the country. Users can query their big data and credit status, obtain various index data, and query their personal credit status, blacklist status, online loan application record, application platform type, overdue amount, arbitration cases and other important data information.
Compared with the central bank's personal credit report, the atmosphere of personal credit record is more extensive, and the publishing institutions are more diverse, such as seven-day quick check and sesame credit score, which are all part of personal credit record. Generally speaking, they are more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report. Nowadays, many people choose to borrow online when they need funds. Although the threshold of online lending is low and the procedures are simple, the interest is high, and many "sequelae" may occur if you are not careful. Many people are blacklisted because they have overdue loans on the online lending platform. As we all know, once you become a blacklisted user, it is very difficult to apply for a loan in the future. So how do they check whether they are on the blacklist of online loans? If you accidentally get on the blacklist of online loans, how long can it be eliminated?
At present, there are three main ways to query the blacklist of online loans:
1, central bank inquiry
You can go directly to the Credit Information Hall of the People's Bank of China, or you can inquire through the Personal Credit Information System of the People's Bank of China. Although many online lending platforms have no access to the central bank's credit report, they will also refer to the central bank's personal credit report when reviewing users' personal data.
2. Inquiries of online credit reporting agencies
For example, third-party credit agencies with personal credit licenses, such as Sesame Credit, China Credit, Tencent Credit and Pengyuanzheng Credit, have found that many online lending platforms have access to online credit, although they are not central bank credit.
At present, both the central bank's credit information system and the online credit information system are bad records for five years. Therefore, once the borrower fails to access the online loan blacklist, the bad record information will be automatically eliminated after five years from the repayment date of the user.
However, if the borrower can actively repay the loan after the deadline, then the blacklist information on the Internet will not have to wait for five years to be eliminated.
If users find themselves on the online loan blacklist, it is suggested that they can go to the online loan platform to check their detailed loan records, and first confirm whether the overdue behavior is caused by themselves. If it is a fake loan of criminals, you can call the police and then explain the situation to the online lending platform to eliminate the blacklist record.
If you are in arrears, you should pay off the arrears as soon as possible, and then take the initiative to contact the online loan platform for consultation to see if the platform can clear the negative record.
How to query personal loan records?
1, telephone inquiry. As the name implies, it is to call for advice. Call the loan bank and inquire about the loan information you need to know.
2. Network query. You can check my credit report on the personal credit service platform of the Credit Information Center of the People's Bank of China.
(1) First log in to the online bank of your own bank and find the trading area.
(2) Find an online loan in the trading area and click "My Loan".
(3) Click "Details" to view the details of your loan.
(4) Click "Details" to query your personal loan information by date.
(5) Finally, you can click "Repayment Plan" to query the repayment method and date by date.
3. Manual query. Although manual inquiry is troublesome, it is comprehensive. If you want to inquire about loan information, you can go to the loan bank counter and ask the bank staff to know all the information about personal loans.
Operating environment: iphone1115.0 national bank V7.2.0.
The details that should be paid attention to when making a loan mainly include the following points.
1. Whether the lending institution or platform is formal: Be sure to pay attention to whether the lending institution or platform has a financial license. If you encounter an informal lending institution or platform, you are likely to be cheated.
2. Whether the loan interest is normal: Some lending institutions and platforms may cheat on the interest, such as advertising low interest rates, and as a result, the approval interest rate is actually much higher, which is very common in small loans. There are also some online loan products that charge "beheading interest". Therefore, people must pay attention to whether the interest rate is at a normal level and whether it has reached a new standard when lending.
3. Are there any mandatory requirements? Some loans may have additional requirements, as well as various service fees and liquidated damages. Be sure to pay more attention to the loan so as not to be restricted in the future.
4. What are the details of the loan? When you apply for a loan from different lending institutions and platforms, the rigor of the review is different, and the information you need to provide may be different. Therefore, it is best to find out what information needs to be provided first, so as to avoid omission and affect the handling of loans.
What is online loan inquiry?
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.
1. Inquire about loan records through the website of personal credit information service platform. Log in to the personal credit information service platform first, then click "Apply for Credit Information" under "Information Service", click "Get Dynamic Code", enter the dynamic code and click "Submit", and enter the received identity verification code 24 hours later to view the personal loan record.
In recent two years, self-service inquiry machines have appeared in many local banks. As long as you use the personal credit report self-service inquiry machine, complete the face recognition technology and ID card, and enter the mobile phone number after successful comparison, you can print the simple version or detailed version of the personal report.
3. Telephone inquiry. Just call the official phone number of the loan bank to inquire about the loan information.
1. The Credit Information Center of the People's Bank of China is a public institution directly under the People's Bank of China. Its main task is to be responsible for the construction, operation and management of the enterprise and individual credit information system (also known as the enterprise and individual credit information basic database) according to the national laws and regulations and the regulations of the People's Bank of China.
2. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
3. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.