How to inquire about online loan contract

How to check whether you have online loans?

Querying online loan big data can be queried through a third-party platform. The query methods of online loan big data platform are simple and diverse. Submit your name, ID card and mobile phone number to get a detailed inquiry report.

Big data credit inquiry, operator report inquiry, online loan blacklist inquiry, online loan application records, overdue records, personal loan records, personal online loan records, personal multi-head loan records, personal Internet finance P2P platform loan records and other data.

First, how to query personal credit report

1. The central bank inquires about the personal credit report.

You can usually go to two places. The first is the local head office of the central bank. You can bring your ID card and valid certificate directly. You can go directly to the head office of the bank to find the customer service manager to fill in the application form, and then you can handle the business you want to inquire about personal credit.

2. Check personal credit report online.

If you have confirmed that you have made several loans online, but want to know whether the records of these loans are in the credit information system. In fact, you can directly search online and check this data. You can check your personal credit score and find this WeChat applet. If there are overdue records on the Internet or loan records on multiple platforms, your records will be subject to big data risk control, your online lending platform will be frequently rejected, and even your flower garden will be closed.

Second, how to eliminate the blacklist of online loans?

1. Go to the online loan platform to check your detailed loan records and see how much money you borrowed, so as to prevent criminals from using their personal information to borrow money. If you find that you don't borrow money yourself, but someone else or criminals misappropriate it, you should call the police immediately and then contact the lending platform to explain the situation.

2. After checking your detailed loan records, confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them eliminate it.

How to check the online loan under your name?

The ways to inquire about online loans under your own name are:

1. Apply for inquiry at the counter of China People's Bank, provide personal ID card and fill in the application form;

2. Register and log in to official website of China People's Bank, and enter the personal credit information service platform for direct inquiry. It can be run, saved and downloaded in electronic form.

In addition to China People's Bank, a well-known bank in China that inquires about online loans, CITIC Bank and Bank of Beijing have also launched the function of inquiring about personal credit through online banking. The credit report will record the name, loan situation, payment situation and overdue situation of personal online loan, including personal credit inquiry through online loan application.

How to query online loan records?

Introduction of online loan inquiry method: 1. Credit records, log in to China Bank official website for inquiry or bank credit inquiry; 2. SMS; 3. Alipay authorization, check the method to log in to Alipay Personal Center My-Settings in the upper right corner-Account Management-Select account authorization; 4. Professional online loan big data platform query.

If you want to know which online loans you borrowed, you can basically use the above methods to understand. Although online lending is very convenient, some consequences are also very serious, so everyone must think carefully before borrowing online lending to avoid unnecessary trouble.

How to check if you have online loans?

When querying online loan records, generally only those with credit records can be queried, and those without credit records have no suitable query channels for the time being.

The method of credit inquiry for online loan records is as follows:

1. Credit window inquiry: individuals can bring their ID cards to the nearby branches of the People's Bank of China, find the credit window and submit an inquiry application to the staff.

2. Inquiry of official website Credit Information Center: Individuals can log in to official website Credit Information Center of China People's Bank, click "Internet Personal Credit Information Service Platform" on the homepage, and then click "Start Now". If they are not registered, they can click New User to register. After successful registration, you can log in to your personal account and make online inquiries.

At present, there are two kinds of query channels to query all the online loan records of a person.

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.

Just open WeChat search: 79 data. Click "Query" and enter information to query your own 100 line.

How to find out which online loans you owe?

1. How can I find out which online lending platforms I owe?

1. Inquire through official website, Credit Information Center of China People's Bank.

Enter official website, find the personal credit information service platform, register and log in, click the credit information service to apply for credit information, and follow the instructions on the page.

2. Personal online banking inquiry

Banks that offer online banking inquiry services include: China's four major commercial banks, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Bohai Bank, Ping An Bank and China Everbright Bank. After logging in, find the credit service on the loan page and authorize the inquiry.

3. Inquire through the offline personal credit report self-service machine

If you need to bring your ID card, you can go to a branch of the local People's Bank or a pilot commercial bank, as long as the bank branch has a credit inquiry machine.

Second, the relevant instructions after the query

1. If the account status is cancelled or settled, it means that it is not owed, but this loan record is kept.

2. If the account status is normal and the current overdue amount is 0 yuan, it also means that there is no arrears, but the account has not been closed, or it is in use but the repayment is not overdue.

How to check if you have online loans?

You can check whether you have online loans in the following ways:

1. Bring my ID card to the outlet of China People's Bank and find the credit inquiry window for inquiry. You can check it twice a year for free, and you need to pay if you exceed it.

2. Public places or banks in the city are equipped with self-service inquiry terminals for personal credit information, and users can carry ID cards for inquiry.

3. Users can also register and log in on the website of China People's Bank Center.

4. Some online loans are not creditable. If you want to know about the loan situation, you can log in to official website, download the APP or contact customer service.

Information that can be queried:

1. Loan information query: loan account number, IOU number, repaid period, accumulated repaid principal, repaid interest, remaining periods and remaining principal.

2. Query the repayment details by date (year, month and day, repayment amount).

3. Inquire about the next repayment (loan account number, loan receipt number, amount and date).

Precautions for online lending:

1. No deposit is required.

Formal online lending institutions have strict loan approval procedures. Even if the lender is not required to provide collateral, it is necessary to review the lender's credit history, income, work or business situation and other information, and there are strict restrictions on the loan amount and loan term. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle.

2. Reasonable selection of loan amount and term.

The size of the loan depends on the financial needs of the individual. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure. As for the loan term, the longer the loan term, the higher the interest rate and the greater the interest burden of the borrower.

3. Repay on time

When personal economic difficulties occur, the borrower should take the initiative to negotiate with the bank and apply for extending the repayment period, that is, extending the repayment period or changing the repayment method, and must not delay repayment and lose credit.