How to inquire about the overdue blacklist of online loans?

1. How to query the overdue blacklist of online loans?

First, a positive answer

If you want to query the blacklist of online loans, you usually query it at some private inquiry systems and third-party platforms.

II. Specific analysis

There are many non-governmental inquiry systems, so we should pay more attention when choosing them. To choose those formal and large institutions, the industry generally conducts pre-loan audit on the platforms of Beijian Quick Inquiry, Xiaoqi Credit Inquiry and Tongdun Data. Because small organizations are generally unreliable, the information of one person will be leaked, which will also cause security risks.

If you want to inquire about the central bank's credit information, just bring your ID card 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, directly on the computer for inquiry.

the central bank's credit reporting and online lending big data are basically irrelevant. If you apply for online loans, it is mainly based on big data and platform risk control; The application for bank loans and those loans connected to lending institutions and platforms with central bank credit information system are mainly based on the borrower's central bank credit information report.

if this type of illegal online loan is overdue, it will have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Xiaoqixin check, check your online loan history, overdue details of online loans, debt situation, untrustworthy information and blacklist of online loans.

third, the comprehensive score is insufficient. Is the online loan rejected?

when applying for a loan, the auditing system of the loan company will evaluate the sum of the scores of the applicant. If the score is lower than the standard value of the system, the loan application will be rejected, and it will be prompted that "the comprehensive score is insufficient". At this time, if you want to continue the loan, you must find out the reasons for the insufficient score and solve it before you can continue the loan.

There are some reasons for the insufficient comprehensive score:

1. The application materials are wrong or untrue.

when borrowing money, if the application materials are filled in incorrectly, the loan platform will not be able to confirm whether I applied for a loan, and it will naturally be rejected. In addition, fraudulent acts such as stealing other people's identity information and fabricating work units will also be directly rejected.

2. The qualification does not meet the loan conditions.

Loan platforms generally require applicants to have a stable job and provide proof of income. If there is no job or a job with low income and no other financial proof, it will easily lead to insufficient comprehensive score.

3. Have a bad credit record.

Many loan platforms have been connected to the People's Bank of China for credit investigation or granted credit through Sesame Credit. If there is a bad credit record before, once the platform checks personal credit, it is inevitable that the comprehensive score is insufficient.

2. Inquiring about the overdue blacklist of online loans

There is an assistant in the lightning loan that can be found

3. How to inquire about the overdue blacklist of online loans?

Method 1: Business outlets inquire

Customers who need to inquire should bring their valid ID cards to the credit information department of the local central bank for inquiry.

Method 2: Inquire online

Individuals who hold ID cards of Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong can log on to the Internet Personal Credit Information Service Platform to inquire personal credit information.

fourth, how long will online loans be classified as untrustworthy?

I have too much say in this, because I have used the online loan and can't pay it back for more than a year. During this period, I will call and send a text message to ask you to repay as soon as possible, but I won't be classified as a faithless person. I was scared by the text message and paid it off after one year! It is recommended that people who use online loans should not owe money for too long! Otherwise, it is really possible to go to the blacklist of dishonesty!