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.