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 branches of the People's Bank of China for credit inquiry on weekdays, 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.
If you are not clear about your online loan big data, you can check your online loan big data information in "Beijian Quick Check". The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate.
Extended data:
Will the online loan sue the family if it is overdue?
If the online loan is overdue for more than three months, the platform will have the right to sue, but it will not sue immediately after three months. Because litigation often takes a lot of time and energy, it is easy not to prosecute. Unless it is really overdue for a long time, the amount of arrears is also very high, and the platform has not responded to repeated dunning, then it may be sued.
Once sued, if the court fails to repay at that time, the court may enforce it, and may even list the borrower as a faithless person. We also need to pay attention to the fact that overdue itself will also bring serious adverse effects. Before the arrears are paid off, we will continue to collect penalty interest, and personal credit will be damaged due to overdue.