If credit information is found in the online loan records, the bank can check the online loan records of users when checking their credit information reports. However, if the online loan is not recorded in the credit report, the bank cannot obtain the user's online loan information after checking the credit report. Most online loans are connected to the credit information system, so when banks check personal credit reports, there is a high probability that they can find online loan records.

The existence of online loan records in credit information will not directly affect personal credit. As long as there are no bad records, there will be no problem in the credit information of users.

at present, there are two kinds of inquiry channels to inquire about all the online loan records of a person.

first, the central bank's credit report. I need to bring my ID card to the local central bank outlet to inquire, and the credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past five years.

second, after checking the credit report, you need to check the online loan database.

just open the wechat applet and search: xinqianbao. Click "Query" and enter information to query your own 1-line credit data, which comes from more than 2, online lending platforms and UnionPay centers across the country. Users can query their own big data and credit status, obtain various indicators, and query their own personal credit status, online black index score, blacklist status, online loan application record, application platform type, overdue and overdue amount. Will there be online loan liabilities in the credit reporting report on important data such as credit cards and estimated credit lines of online loans?

If online loans are on credit reporting, then the online loan records will be seen when checking credit reporting, and banks can naturally calculate the total amount of online loan liabilities of users. However, the online loan cannot be recorded in the credit report, and no online loan information can be found in the credit report, so the bank cannot know the specific amount of the user's online loan arrears. For users, no matter whether online loans are available or not, they need to repay on time.

online loans can't be used for credit reporting, and overdue records can also be used for online credit reporting. When online credit reporting is poor, it is difficult to apply for online loan products.

In order to make people understand the personal credit report, experts from Chengdu Branch of the People's Bank of China stressed that the key is to understand several symbols. To this end, we take this part of the information of housing mortgage loan in Zhang's personal credit report as an example to make an interpretation for readers.

In personal credit reports, there are usually the following symbols:

/——— indicating that no account has been opened;

*-indicates that there is no repayment history in this month, and the data with repayment period longer than that in the month are marked with this symbol, and the repayment frequency is irregular, and the * indicates that there is no repayment behavior in this month; This symbol is also used to indicate that there is no need to repay in the month of opening an account.

n —— normal (indicating that the borrower has paid back the current month's money in full and on time);

1 —— it means 1 ~ 3 days overdue;

2 —— it means that it is 31 ~ 6 days overdue;

3 —— it means 61 ~ 9 days overdue;

4 —— it means 91 ~ 12 days overdue;

5 —— it means that it is 121 ~ 15 days overdue;

6 —— it means 151 ~ 18 days overdue;

7 —— it means that it is more than 18 days overdue;

d —— repayment by the guarantor (indicating that the loan of the borrower has been repaid by the guarantor, including repayment by the guarantor on schedule and partial repayment by the guarantor);

z-paying off debts with assets (means that the borrower has repaid the loan with assets. Only refers to the part of paying debts with assets);

c-settlement (the borrower has paid off the loan in full, and the loan balance is . Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of guarantor, etc.);

g-termination (any other form of account termination except settlement).

#-the repayment situation is unknown

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information in October 29, and the previous bad repayment record has been deleted.

because the relevant departments have not clearly defined the limitation of negative records, in the old version of the central bank's personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

In the past, some citizens complained that they couldn't read personal credit reports, because they were all tables and numerical codes, and what each number meant had to be understood by referring to the notes. The new version of the report has changed the presentation method based on tables, and used more words to describe it. At a glance, the public can know which cards have been overdue and which repayments are all normal. At the same time, the new version of the report also reserved an exhibition area for information such as asset disposal and guarantor compensation.

In the early days of the establishment of China's credit system, many people did not pay enough attention to personal credit, which led to credit card or loans overdue behavior. Because banks and work units will refer to these credit records, the long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have been overdue and have paid off their debts a chance to mend their ways and re-establish and accumulate their personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages. Will the credit report show online loans?

Online loans will be shown on the credit report, but not all online loans will be reported on the credit report. Only when the online loan platform is connected to the credit information system of the central bank, the application for loans on the platform will be shown on the personal credit report. \ r \ nSo, if you want to know whether the online loan you applied for is on the credit report, you need to consult the customer service of the platform. If you want to apply for a bank mortgage in the near future, in order to avoid affecting the pass rate and loan quota, it is best to pay off all the online loans on the credit report, then issue a loan settlement certificate, and then go to the bank to apply for a mortgage. \ r \ nFor more information, will the credit report show online loans? Go to: See more.