After receiving a user's application information, the online lending platform will access the online lending database to compare the user's previous borrowing records, overdue records, application information, etc., and then grant a certain amount of credit, if the information is slightly different or has a history of overdue records in the past, it will be rejected.
When a user registers for an online loan, the online lending platform will upload the user's application information to the online lending database***. When the user is due to repay the loan, the online lending platform will not upload it into the online lending database; conversely, if it is overdue it will upload the user's overdue record into the online lending database.
To apply for an online loan for a long time, you must pay attention to your online loan data report in time. However, most of the data platforms nowadays have all kinds of problems, some display too short a time, some data is not complete enough, it is better to choose the data interface of Baixing Zhengxin.
Just open WeChat and search: Zhi Xiao Zha Center. Click on the query, enter the information you can query to their own hundred lines of credit data, the data from the national online lending platform and the UnionPay Center, the user can query their own big data and credit, you can get all kinds of indicators data, query to their own personal credit situation, blacklist situation, online loan application records, application platform type, whether overdue, the amount of overdue, credit card and online loan credit limit estimate and other important The company's website is a great source of information about the company's credit rating and credit rating.
Compared with the central bank's personal credit report, the atmosphere of the personal credit record is more extensive, and the issuer is more diversified, such as ZhiXiaoZha, Sesame Credit Score and so on, all belong to the part of the personal credit record, and overall it is more similar to the online big data credit, which is a useful supplement to the traditional personal credit report.
Currently, the state is building a comprehensive and seamless "credit network" that connects society with information***, and both credit reports and personal credit records are an important part of that. Protect your credit, for everyone, credit is the biggest asset and wealth.