The online loan said that there was something wrong with my big data. How can I check it?

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.

Just search: quick view of the shell tip. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Third, what are the reasons for the lack of comprehensive credit score?

The reasons for the insufficient comprehensive score are overdue repayment, high debt level, too many credit inquiries, untrue information and insufficient asset level, as follows.

1. The repayment is overdue.

Most banks or other financial institutions will focus on loan repayment records and credit card repayment records when reviewing users' credit reports. Whether there are three consecutive overdue records or six accumulated overdue records within two years is the basis for considering the user's comprehensive loan score. If users have poor repayment habits, loans and credit cards are overdue, which will lead to insufficient comprehensive loan scores.

2. The debt level is too high.

In the user's credit report, the loan amount, loan term and remaining principal of each loan are recorded in the loan record column, and the card issuer, credit line and usage line of each credit card account are recorded in the credit card account column.

If there are high debts in the user's loan records and credit card records, or the proportion of credit lines used in credit card accounts is too high, it proves that the user is short of funds, and the evaluation system of lending institutions will lower the comprehensive loan score.

3. There are too many credit inquiries.

In the column of user's credit report inquiry record, the credit report inquiry record of users applying for loans or credit cards within two years is recorded. If the sum of loan approval and credit card approval times exceeds 5 times in 1 month and 10 times in 3 months, the system will think that the user is short of short-term funds, which will affect the system's judgment on the comprehensive loan score.

4. The information is not true enough.

The true level of information submitted by users when applying for loans will also affect the determination of comprehensive loan scores. If users submit false personal information, or invalid personal information, such as expired ID card, mobile phone number, bank card with non-real name, etc., the system will reduce the comprehensive score of loans and affect the normal approval and issuance of loans.

5. Insufficient asset level.

Personal income and asset certification information submitted by users when applying for loans are also the basis for judging the comprehensive score of loans. When applying for a loan, if the personal salary and asset certificate submitted by the user are not enough to meet the minimum asset level requirements of the loan platform, then the comprehensive score is insufficient.