There are quite a few private query systems, and when choosing one, you should pay more attention and choose those formal large-scale organizations, which are generally in the industry in the shell tip speed checking, small seven letter checking, the same shield data that these platforms go to do the pre-lending audit. Because small organizations are generally less reliable, in case of personal information is leaked, but also cause security risks.
And if you want to query the central bank credit, then bring your ID card directly to the local central bank credit center to query on the line; you can also go to the local authorized commercial bank outlets to query; or log on to the central bank's official website directly on the computer to query can also be.
Central bank credit and online loan big data is basically not related. If you apply for online loans, the main big data, platform wind control; and apply for bank loans and those access to the central bank credit system of lending institutions, platform loans, is to the borrower's central bank credit report.
Many people become blacklisted after overdue outlets, not knowing that in addition to overdue, bad multi-borrowing is also included in the blacklist of online lending, specific can be on the: small seven letter to check, to detect their own multi-borrowing, multi-borrowing is mainly the case of individuals in the lending institutions in the near future to apply for, it is recommended that you can let yourself slow down, three months to stop all lending-related operations, three months after the The natural risk index will be reduced and the blacklist will be eliminated.
Extended information:
How to get rid of the blacklisting of online lenders which is permanent?
Pay off the outstanding amount as soon as possible and negotiate with the other party.
Here are some suggestions to deal with getting rid of an online loan blacklist in the following ways.
1, do not lose contact with the owed platform consultations, informed of the reasons for the inability to repay, to strive for each other's understanding;
2, negotiation of repayment program, try to pay off the loan earlier, especially in terms of interest, you can strive to reduce;
3, after confirming a good repayment program, strictly in accordance with the requirements of the repayment, and do not break the contract.
Generally, if people can actively and properly deal with overdue events, the information on the online loan blacklist can still be eliminated. However, people need to be wary of advertisements that pay money to get rid of bad information.