Personal credit is good big data is not good, the user can apply for a loan to query personal credit, as long as through the loan audit, the user can take out a loan. It is possible to pay back the loan, as for the query big data loan, due to the user's big data is not good, apply for this type of loan will not be able to pass the loan audit. Therefore, users should pay attention to screening when applying for loans, and try to apply for loans that query personal credit.