1, self-reflection
Maybe many people have only heard the word net black, however, do not know what the so-called net black in the end, do what will lead to become net black, and become net black after there are no consequences.
Net black: generally is the Internet financial industry refers to those who have very poor credit, can not repay on time, there is a higher risk of borrowers.
They all have a characteristic, that is, the lack of money, often to the Internet to apply for online loans, to the repayment date, and can not pay the arrears, resulting in overdue, and then step by step, they are included in the Internet black.
So you can also judge from this, reflect on whether you have been overdue, really can't remember to open the borrowing app in your phone to check. If none, it can only say that you are better than the vast majority of people to do, of course, there is also the possibility that you have poor credit, simply did not borrow a loan platform, but also a force to apply for, after being rejected and apply for a different place, if you have the above behavior, more than eighty percent of the possibility of net black.
2, credit evaluation
Now there are very many credit detection platforms, specializing in query is not net black, apply for a loan record, the court's loss of credit, credit risk score, etc., but we must see clearly, a lot of platforms are more spelled out to get a whole lot of information on your credit report, and even said that the free query is unreliable, if you have to want to understand their current credit status. Credit status, you can go on WeChat: letter friend pigeon, to check the credit can be, if the recent intention to apply for a car loan, mortgage, you can go to the Chinese Bank of China to print the credit report. The two are different, and you can choose according to your own situation.