How to check credit for online loan platform loans?

How to check personal credit records

If you check personal credit records, under normal circumstances, the time to check personal credit records is relatively short, and you will know the results immediately. You can do it through the following methods Query: (Browser computer: macbookpro mos14 open google version 92.0.4515.131)

1. On-site query of personal credit report. Now many banks can directly query personal credit report. Generally speaking, if you If you are preparing to buy a house and want to check your personal credit report before doing so, you can go directly to the local People's Bank of China branch or credit sub-center with your original valid ID card + copy of ID card + personal credit report personal inquiry application form Just inquire.

2. Check personal online loan big data and credit blacklist online. If you have overdue records online or loan records on multiple platforms, then all your records will be subject to big data risk control. , then your online loan platform will be frequently rejected, and even your Huabeijiebei will be closed. If there is an abnormality in your Internet hacker big data, you can go to WeChat’s public platform: Baichaxin, follow and enter to view your own big data and credit status. You can obtain various indicator data and query your personal credit status. Blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, whether there are arbitration cases, and other important data information.

3. You can also check personal credit records on the official website of the Credit Information Center of the People's Bank of China. Open the official website of the Credit Information Center of the People's Bank of China and find the "Core Business" module. Find the "Internet Personal Credit Information Service Platform" and click "Start Now" to log in. After logging in, select the information you want to query and the query object, and fill in your personal information. After completing filling in the personal information, click the "Send Verification Code" icon and use the bound mobile phone to receive the SMS verification code. Then enter the verification code in the text message into the verification code filling area for verification. After successful verification, you will receive an "inquiry code" from the credit reporting center within 72 hours. Use this "query code" to query personal credit records.

4. Commercial bank online banking inquiry, China CITIC Bank: China CITIC Bank opens online banking, obtains a USB key certificate, logs in to CITIC Bank online banking, and clicks "Credit Report Inquiry" on the "Featured Services" page. There is no limit on the number of queries, and results are usually available the next business day.

Finally, if you find that you have a bad record on your credit report, and this loan application was made by someone else, your information was used fraudulently. Then we must communicate with the bank in time, provide evidence to prove that the loan was not handled by ourselves, ask them to issue a non-malicious overdue certificate, and then take this certificate to the personal credit management center to delete our bad records. How can I check my online loan credit record?

1 Use a computer to open the browser/Baidu, search for "Credit Reference Center of the People's Bank of China", find the "Credit Reference Center of the People's Bank of China" identified on the official website in the search results and click to enter;

2 After entering the website, find "Internet Personal Credit Information Service Platform" under "Core Business" and click to enter. After jumping to the personal credit inquiry entrance, click "Start Now";

3 Enter your login name, password and verification code on the login page to log in. If you have not registered yet, click "New User Registration" to complete the registration and then log in.

4 After logging in, you will enter the welcome page. There is "Credit Service" on the right side of the page. Click "Application for Credit Information" of "Credit Service" and select the verification method (question verification, bank card verification, digital Certificate verification, you can choose one by yourself);

5 When selecting credit information, check three items at the same time, then click "Next", and click "Submit" after completing the verification.

6 Wait patiently after submitting the application. Results usually come out within 24 hours. After receiving the SMS verification code, log in to the official website again to view the results.

Operating environment:

Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition

System version: Windows 11

Browser ：Google chrome browser

Browser version: 87.0.4280.88

1. Online inquiry on the official website of the Credit Information Center of the People's Bank of China

Credit Information of the People's Bank of China The center has launched a service nationwide to check one's credit report through the Internet. This is currently the only safe and reliable way to check credit reports!

Specific inquiries are divided into three steps:

The first step is to fill in the registration information and set the user name and login password.

The second step is to log in to the website according to the successfully registered username and password, conduct online identity verification, and submit an inquiry application.

The third step is to obtain a credit report. After passing the identity verification, usually on the second day after submitting the inquiry application, the user can check the credit report online after receiving a text message notification.

The credit report you can check online is a simplified version. If you want to check the detailed version, you need to go to an outlet or a self-service inquiry machine.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 8.0.16

2. The People's Bank of China offline credit inquiry printing point

One is through the counter and self-service machine. There are more than 2,000 offline counters and self-service kiosks across the country where you can check credit information. You can check it immediately. You must bring your ID card. The second is entrusted inquiries at commercial bank counters and online banking. How to check online loan credit report

There are two ways to check your credit report.

The first method: You need to bring your identity document to the local central bank online loan to print a credit report for yourself to check whether you have ever made an online loan. If you can’t find an online loan with a credit report, there are many channels through which you can find one.

When applying for an online loan, most of them require face scanning for authentication. Others cannot pass the certification at this step. After making the payment, you need to fill in the bank card, and this step cannot be done. However, most of the current online loan databases have shortcomings such as insufficient information, high prices, and short display time.

Second: Use a search engine to query

If you have determined that you have made several loans on the Internet, but want to know whether the records of these loans have been uploaded to the credit information system , in fact, you can search directly online, open WeChat, and search: Qitian Kuaicha. Click Query and enter information to query your own Baihang credit data. This data comes from online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicator data. Your personal credit situation, blacklist status, online loan application records, application platform type, whether it is overdue, the overdue amount, whether there are any arbitration cases, and other important data information.

Compared with the central bank's personal credit report, personal credit records are more extensive and issued by more diverse institutions, such as Qitian Kuaicha and Zhima Credit Score, which are all part of personal credit records. Overall, it is more similar to the big data credit report mentioned on the Internet, and is a useful supplement to the traditional personal credit report.

This database cooperates with more than 2,000 online loan platforms, and the queried data is very accurate and comprehensive. You can view the user's number of applications, online loan data, online black index scores, hit risk warnings, court prosecution information, arbitration case information, trustworthy person information and other data. Among them, users can rely on the Internet Black Index score to determine whether they are users on the online loan blacklist. The Internet Black Index score represents the user's online loan credit score. The lower the score, the better the credit. Hit risk prompts can help users better find their own qualification problems and improve the risk control review pass rate of online lending platforms.

: If you want to know whether you have been loaned online, you can check your text messages. If you apply for an online loan, the loan platform will usually send a notice to the customer. Customers can also go to the local People's Bank of China to check personal credit information. If their ID card is stolen by others to apply for online loans, they can check it.

Some online loans are connected to the central bank's credit reporting system, and relevant loan and repayment records will be directly recorded in the credit reporting report. Do I need to check my credit for online loans? How to check?

There are many private query systems. You should pay more attention when choosing and choose those formal and large institutions. Because small institutions are generally unreliable, if personal information is leaked, it will cause security risks; and the data queried by small institutions are generally not comprehensive.

If you want to check the central bank's credit report, just bring your ID card to the local People's Bank of China Credit Information Center to check; you can also check at a local commercial bank branch authorized by the People's Bank of China; or directly check at You can also log in to the official website of the Credit Reference Center of the People's Bank of China on a computer to make inquiries.

If you want to query online loan big data, you usually query it through private query systems and third-party credit platforms such as Blue Ice Data, Beijian Quick Check, etc. The People's Bank of China generally cannot find it online. Loan big data.

The central bank’s credit reporting and online loan big data are basically unrelated. When applying for online loans, the main focus is on big data and platform risk control; when applying for bank loans and loans from lending institutions and platforms that are connected to the central bank's credit system, the main focus is the borrower's central bank credit report.

Extended information:

How long will it take for an online loan to be overdue to give up collection and come to your doorstep?

After an online loan is overdue, there is actually no specific time limit for how long the loan platform will give up collection. It mainly depends on whether the loan platform insists on collecting the money. For example, some platforms believe that they can no longer collect the money, and if the amount owed is not very high, they may give up after half a year or one or two years; of course, some will continue to collect payment, or even outsource it to specialized agencies. The collection company carries out collection collection.

As for whether door-to-door collections will be made, each loan platform has different regulations. However, if the loan platform hires a special collection company for collection, there is a high probability that it will come to your door.

In this regard, it is recommended that customers find ways to pay off their debts as soon as possible. When all debts are paid off, the loan platform will naturally stop collecting debts. If the loan platform illegally charges high interest fees and cannot repay the loan, the customer can collect evidence to report the platform to the local Banking Regulatory Commission or the China Internet Finance Association. If you are violently treated, threatened or intimidated during the collection process, the customer can also call the police directly.