Is the second batch of loans without credit information reliable? Everyone knows that credit reports are very important to us. Now most online lending platforms are connected to the central bank's credit information system, and then users can inquire about personal credit information when borrowing money. It will be difficult to borrow money if users have bad credit information. Therefore, in order to avoid affecting their credit information, people sometimes pay attention to some second-batch loan platforms that claim that they cannot obtain credit information. Then, is this second-time loan that can't get credit information reliable? Let's briefly understand:

Is the second batch of loans without credit information reliable? It is difficult for borrowers with poor credit information to borrow money. First, such borrowers' bank loans are generally rejected every second. Second, many private loans are now subject to credit investigation, and bad credit is often rejected. So once the credit is bad, it will have a great impact on our future life. However, if you have already made an online loan and are worried about whether you will go to the credit information system, you can introduce several methods to determine.

Method 1: Generally speaking, the credit information we refer to refers to the credit information of the central bank. Loans from banks and consumer finance companies 100% are subject to credit reports. As for whether there is a credit report, when applying for a loan, you need to check "I have agreed to the loan-related service agreement" below. You can click on the loan-related service agreement to see if the content includes "People's Bank Credit". If so, it is a credit report.

Method 2: See if the loan company has this information: (1) The loan institution itself has been connected to the credit information system, and all banking financial institutions in the market are basically conducting credit information, not to mention banks. Consumer financial institutions are lending institutions approved by the CBRC, so they should report credit information according to regulations. If the company has bank products involved, it must be on credit. (2) Although the licensed micro-loan company is not connected to the credit information system, it cooperates with the companies that have been connected to the credit information system through the joint loan mode to achieve the purpose of accessing the credit information. (3) Lending institutions can cooperate with other institutions that have participated in credit investigation, depending on whether the company has relevant explanations.

Method 3: Log in to the online credit information system directly with the computer, then click on the personal credit information service, and then follow the prompts to log in, and you can inquire. But I just submitted my application this time, and I need to see it the next day, which is a bit slow. Or you can go to China People's Bank outlets for machine inquiry, bring your ID card, and the bank machine can inquire.

Is the second batch of loans without credit information reliable? The above are several methods for your reference, hoping to help you.