Cloud loan APP is a mobile phone loan software, through which users can apply for online loans. According to official website information of Yundai, Yundai will not inquire about the borrower's credit report.

Credit investigation is a Chinese vocabulary, which refers to collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing credit reports, credit evaluation, credit information consultation and other services to the outside world.