If it is a friend you know and the loan company has recorded that person’s address book, your friend probably has your mobile phone number in his phone, so he calls you. If you don’t know the person, it may be a scam and ignore it.

Mobile phone number is one of the important user information required by online lending institutions. If personal mobile phone information is not properly kept, the mobile phone information may be used by criminals. (Borrowed K, emergency contact, etc.) Currently, there are two types of credit reports in our country. One is the central bank credit report, and the other is the central bank credit report. You need to go to the local central bank branch with your ID card and print a simplified version of your personal credit report on your own.

If you want to check online, you can check the central bank’s credit report. It is very simple to query, and the report content is also very rich. Search on the home page of WeChat: 35 data. By entering information, you can query your own Baixin credit data. This data comes from online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, obtain various indicator data, and query their own credit information. personal credit situation. Important data such as blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit estimates, etc.

Compared with the central bank’s personal credit report, personal credit records are more extensive and issued by more diverse institutions. For example, 35 Data, Zhima Credit Score, etc. are all part of personal credit records. Overall, it is more similar to the big data credit report mentioned on the Internet, and is a useful supplement to the traditional personal credit report. At present, the country is building an all-round "credit network" with no blind spots to connect society and share information rights. Whether it is credit reports or personal credit records, they are an important part of it. Protect your own credit. For everyone, credit is the greatest asset and wealth.