Can the online loan company send a text message to invite the loan certificate to collect credit?

It's true. Any online loan will require you to check the authorization of personal information report when applying for a loan. You can't apply for places without checking. If checked, it means that you agree with others to inquire about credit reporting, and there will be an additional inquiry record in the credit reporting. If you have too many inquiry records, you will spend your credit information, which will directly affect your other credit business in financial institutions. Don't apply at will unless necessary, it will waste credit information.