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.
If you have questions about personal debt or online loan data, you can read the online loan big data report provided by Cuifeng Data, which contains detailed data, such as online loan application records, overdue status and blacklists.
Extended data:
What is the impact of overdue online loans 10 days?
How long the online loan is overdue is mainly discussed in two situations.
1. If there is no grace period and the repayment is overdue beyond the repayment date, it will be credited.
The online lending platform does not provide a grace period for repayment, so if the user has not repaid after the repayment date, the overdue record will be reported to the credit. Even after the repayment date, the user has made repayment, which is also overdue. Overdue records have been generated when overdue repayment is made. Users can automatically delete overdue records only after paying off overdue debts.
2. If there is a grace period, the overdue repayment after the grace period will be recorded for credit investigation.
The online lending platform provides a grace period for repayment. Repayment from the repayment date to the grace period is regarded as timely repayment by the user. Repayment on time will not produce overdue records and overdue interest, so there will be no overdue records uploaded to the credit investigation. The loan has not been repaid after the grace period or has been repaid after the grace period. At this time, the online lending platform will be regarded as overdue. As long as it is overdue, it will generate overdue records and overdue interest, and then the online lending platform will upload the overdue records to the user's personal credit report according to relevant regulations.
Both of the above situations will lead to overdue credit records, which will lead to poor personal credit information and affect users' application for other loan business. After paying off overdue debts, overdue records will be automatically deleted after 5 years. Therefore, once overdue, please pay off the overdue debts as soon as possible, so that personal credit information can be restored as soon as possible.