Now loans are relatively easy, just like many online loans, you can borrow money online without mortgage guarantee, which attracts many people to apply. Even if the online loan is easy to borrow, there is a threshold and it can only be done if it meets the requirements. Many friends didn't get their online loans, and they were worried that they would be investigated for credit. Today we will briefly introduce it. 1. Why can't I borrow money online? There are many reasons. First of all, we must meet the basic requirements, such as age, income, providing my real-name registration system mobile phone number, my valid ID card, bank card and so on. If one item fails to meet the standard, we can't apply for a loan, and we won't give a loan amount after the system evaluation. After the basic conditions are met, the system evaluation also gives the quota, and the formal loan has to be reviewed. Some people will check the credit records of credit information to see if it is overdue on the same day, within two years, as well as the number of inquiries in the last six months and the debt ratio. In short, if the credit is bad, the credit is spent, and the debt ratio exceeds 50%, these are the reasons why the online loan can't come down. 2. Will you check the credit information if the online loan is not available? This is mainly related to the nature of the online lending platform, if the application is a formal product of a licensed financial institution or bank. Congratulations to everyone, even if the loan doesn't come, you can't escape the fate of being investigated. Because the formal platforms are connected to the central bank's credit information, the loan may be checked twice. One is to check once when applying for the quota, and the other is to check the formal loan. And will leave a loan approval inquiry record in the credit report. This kind of record belongs to the hard inquiry record. Although it is not as serious as overdue, it is easy to find credit information, which will affect our subsequent card processing. In a word, we should be careful when borrowing money online. Don't borrow money blindly. It is best to find a loan that meets our qualifications. Even if you are investigated, your credit is worth it.

Is there a credit report for online loans?

First of all, some loan platforms that do not check credit information are for reference only, so please choose carefully:

1, second speed man. The loan amount is between 2000 and 5000, and the longest loan time is 15 days.

2. The king's loan. The loan amount is between 1000 and 200000, and the longest loan period is 1 year, and the lowest is half a year.

3. Digital wallet. The maximum loan amount is 5000 yuan, and the loan time is short, the longest is 1 month.

My sister owns a mine. The maximum loan amount is 5000 yuan and the longest loan period is 15 days.

5. Meituan monthly payment: regarded as the flower bud of Meituan version. You may overdraw before spending. The system automatically evaluates the credit. After obtaining the quota, you can take it out at the US Mission. Free for 7 days, and need to be returned on the eighth day. If it is not paid within the time limit, a penalty of five ten thousandths will be charged. Some netizens reported that they didn't see any records on the credit information after using it. What is certain is that they can't get the credit information without checking the credit information.

6. Alipay reserve fund: the small short-term emergency credit product launched by Alipay can be used for 7 days free of charge from 500 yuan, and can only be used twice a month, but it can only be used after each loan is repaid 1 time. The review mechanism is similar to borrowing, which starts with a systematic and comprehensive evaluation, but it cannot be used without checking the credit information.

7. Today's headline reserve fund: Similar to Alipay reserve fund, it is also a short-term small loan credit product with a quota of 500~2000. You can borrow it for 7 days for free during the promotion period. The system automatically evaluates the credit, adopts the white list invitation system, and can submit the loan after obtaining the quota. When applying, it will not check the credit information, but if the loan is issued by a cooperative licensed financial institution, the credit will be affected.

Two, personal credit report includes the following basic contents:

1, personal information, including name, gender, age, work unit, contact address and other information used to identify individuals;

2. Bank information, which lists each credit card and loan business in detail, and specifically shows the past debt history of the credit party;

3. Non-bank information, which records the payment of consumers in communication, water, electricity and coal, such as whether the mobile phone is in normal use and whether public utilities are in arrears.

4. Objection record. When the respondents think that the contents reflected in the report are controversial, they can reflect them in this part by adding statements. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit reporting agencies to correct and update information;

5. Query records are the summary of all individual query records in the last 6 months.

Will they check the lender's credit?

They will check the credit information of the lender, but if they can't find it, only the bank has the right. Platforms such as auction and loan have no authority. Don't worry, just upload your work certificate, income certificate and identity certificate.

In the world, repayment is necessary. If it is really impossible to repay, we should negotiate with banks or lending institutions to extend the repayment period or repay by installments.

What happens if you don't borrow money?

1. If the lending institution or bank fails to perform the court judgment within the performance period after winning the court case, it will apply to the court for enforcement.

2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

3. If the lender refuses to perform the effective judgment of the court because there is no executable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even be punished by judicial custody.

4. In the case of refusing to execute the judgment or ruling, it is suspected of refusing to execute the judgment or ruling.

Do online loans check credit information? How come?

Online loans need to check credit information.

(1) First, when applying for a loan, the lender can check the terms of the loan application and carefully check whether the online lending platform will review the applicant's credit information. As long as the online lending platform reviews the applicant's personal credit information, it means that the platform makes a fuss about credit reporting. On the other hand, online lending does not check the applicant's credit information, which means that the online lending platform will not receive credit information.

(2) Secondly, we can look at the funders of the online lending platform. Under normal circumstances, it is decided by the lender that there is no credit information on the online lending platform. The more formal investors and formal licensed financial institutions, the greater the probability of the applicant's overdue funds uploading credit information.

(3) It should be reminded that it is the most direct and effective way for lenders to directly inquire about the credit report. Because the number of times the applicant inquires about personal credit information will affect the pass rate of loan application, it is not recommended to use this method to inquire whether the online loan platform has the authority to obtain credit information.