There are quite a few private query systems, and when choosing them, you have to pay more attention and choose those regular large-scale organizations, which are generally in the industry to do pre-lending audits on the platforms of Bei Tip Speed Check, Xiao Qixi Xincha, and Tong Shun Data. Because small organizations are generally less reliable, in the event that personal information is leaked, but also cause security risks.
And if you want to query the central bank credit, then bring your ID card directly to the local central bank credit center to query on the line; you can also go to the local authorized commercial bank outlets to query; or log on to the central bank's official website directly on the computer to query can also be.
Central bank credit and online loan big data is basically not related. If you apply for online loans, the main big data, platform wind control; and apply for bank loans and those access to the central bank credit system of lending institutions, platform loans, is to the borrower's central bank credit report.
If you have questions about your personal debt or online lending data, you can read the online lending big data report provided by Kingfisher Data, which contains detailed data, such as online lending application records, delinquency, and blacklisting information.
Extended information:
What's the impact of being 10 days late on an online loan?
How long does it take for an online loan to become creditworthy when it is overdue is discussed in two main ways.
1, no grace period, more than the repayment date repayment late record on the credit.
The online lending platform does not provide a grace period for repayment, then after the repayment date the user has not yet repaid the overdue record will be on the credit. Even if the repayment date has passed and the user has made the repayment, this is still a late repayment. The late repayment of the late record has been generated, the user can only wait for the repayment of the overdue amount of money, the late record will be automatically deleted.
2, there is a grace period, more than the grace period to repay the late record on the credit.
The online lending platform provides a repayment grace period, repayment to the grace period this time repayment, are considered to be the user on time repayment. The fact that you have to pay back the money on time does not mean that you will have to pay back the money on time, so you will not have to pay back the money on time. If you do not pay after the grace period or if you pay after the grace period, then the online lending platform will consider the user to be overdue. As long as the overdue record and late interest will be generated, and then the online lending platform will be in accordance with the relevant provisions of the overdue record will be uploaded to the user's personal credit report.
These two situations will lead to the late record on the credit, the credit of the late record will lead to personal credit bad, but also affect the user to apply for other loan business. After paying off the overdue amount, the overdue record will be automatically deleted after 5 years. Therefore, once the overdue, please pay off the overdue debt as soon as possible, so that the personal credit can be restored as soon as possible.