Checking credit was told to need a high charge must be a fraud, if you have given the money to the other side can be reported to the police to recover the fraudulent property. The first thing you need to do is to check your credit card, and you can do it for free by going to your local central bank branch with your ID card.

One of the best ways to use online credit checking is to use caution

The convenience of small loans is that they can be borrowed at any time, and the amount of money borrowed ranges from a few hundred to a few thousand, all of which are recorded in the credit. At present, many banks do not dock the big data of online lending, even if there are many online lending records, but in the process of mortgage is not affected, but with the establishment of the hundred lines of credit, as well as the rapid development of the consumer finance business, consumer loan companies are more and more docking the third party big data. Under the new wind control system, the more you borrow, the greater the impact! This type of online loan can be used, it is best to please use discretion.

Two, credit inquiry is divided into institutional inquiry and personal inquiry

Because credit is the People's Bank of China through the collection and organization of personal credit data, for the bank or some credit institutions to provide credit reports. Although we all know that credit is important, but many users do not realize that frequent credit inquiries are actually not good, there are still a lot of precautions about credit. For personal inquiries, each person has only two free inquiries a year. If more than two times, each query is required to charge an additional query fee. Institutional inquiries are also known as "hard inquiries", usually when we apply for a credit card or loan, the institution will inquire about the individual's credit status, so that they can determine how much credit they want to give you. This type of inquiry is also known as a "hard inquiry".

Now the loan whether online or bank loan, will be queried personal credit record, personal credit record query is no charge, if there is anyone to tell you can spend money to check the credit are fraudulent, must be careful and vigilant, don't let the money suffered a loss, if you have already been cheated, you can call the police to see if they can be cheated back to property, if you do not know how to check credit, you can go to the People's Bank of China with your ID card. You can take the ID card to the People's Bank, there will be staff to help operate.