1. Only a small part of the online loan will be credit, such as chanting and other online loans, but the vast majority of the credit can not be found, but these online loans but the real will have an impact on the personal big data, affecting the bank's loans, car loans, etc. Now our country is a central bank credit investigation, credit database and 100 years of bank credit report three credit report database. Generally speaking, if you check the central bank credit and online credit data report, you can clearly understand your various credit data information. To apply for the central bank credit, you need to bring your ID card to the self-service query machine in your local business office, and the personal credit report will be issued on the spot.

2. Querying online loan data is relatively simple, such as cloud network of quick view letter can quickly access the report and view the user's application number, online loan data, network black index points, anti-risk tips, court litigation information, arbitration case information, dishonest information and other data. You can also find out the details of network expiration, including expiration days, expiration amount and expiration platform. The report is very detailed and can provide you with a comprehensive information report, so that you can reasonably handle your data according to the report, which is of great help to you.

3. At present, most of the formal network loans are network credit, only a few network loan platforms are not network credit, but many platforms will cooperate with some third-party credit agencies, such as Sesame Credit and other platforms to carry out joint credit supervision. Once the borrower has a late record, credit related online lending institutions will truthfully report the late behavior to the Central Bank for credit collection. Online loan overdue credit can only deal with the overdue first, and then wait for automatic elimination.

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If the online loan is overdue, the record will exist forever.2 years to eliminate:For non-malicious, small, short-term overdue bad records, in this case, the People's Bank of China will not be padded for bad records. Normal, good continuous use of 24 months can cover the first two years of non-serious bad records, because the People's Bank of China's normal record is a credit record within two years.5 years to erase:refers to malicious overdrafts, the amount of money, the nature of the serious. All arrears are fully repaid after the PBOC advances, and the bad credit record is eliminated within 5 years.