1. If you can't confirm whether you have a loan, the most direct way is to inquire about the credit report, which records whether the individual has borrowed money and paid it off on time; The daily use of credit cards will also be recorded, and the credit report is the most comprehensive record.

2. There are many ways to inquire about personal credit information, including branches of the People's Bank of China, official website, the Credit Information Center of the People's Bank of China, and bank counters; When going to the branches and bank counters of the People's Bank of China, you must bring your valid personal identity documents and make inquiries on the working days of the bank; Inquiries through the official website Credit Information Center of the People's Bank of China must be registered before they can be inquired; Everyone chooses the query method that suits them according to the actual situation.

3. Personal credit information generally records personal basic information, including personal transactions on online lending platforms. Personal credit reports are used in many aspects, such as housing loans, car loans, consumer loans, credit loans and so on. Although you can inquire about your own credit information, too many inquiries will have a bad influence, so individuals should not casually inquire about credit information records at ordinary times, and every inquiry will be reflected in the credit information report.