What are the credit inquiry methods of online loan big data?

Want to query online loan big data, generally 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.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Third, the comprehensive credit card score is not enough to apply for staging?

If the credit card application is rejected, the reason given by the bank is that the comprehensive score is insufficient. It is recommended to check what is wrong first and then solve the problem.

After all, banks will evaluate various aspects when approving credit cards, including age, education, marital status, residential address, work unit, income level, liabilities, repayment ability, assets and credit status.

If there is a credit problem and there are bad records in the credit investigation, then only after that can you take good care of your credit, and when your personal credit is improved, the new good records will gradually cover the old bad records. After the credit information is repaired, you can apply for a credit card.

If there are too many credit cards and loans in your name, resulting in high personal debt ratio, you can try to pay off the debt first or pay off part of it first, and then apply for a credit card after reducing the debt ratio.

Also, if the bank is worried about its insufficient repayment ability because of its low economic income, then if it has additional assets, it can provide the bank with proof materials in this regard. When applying for a credit card, you should also consider whether the level of assets and financial resources required to handle the card is consistent with your own economic income, and don't blindly pursue the high level of credit cards.