To inquire about the big data of online loans, usually in some private inquiry system, third-party platforms.

Two, specific analysis

There are a lot of private query system, in the selection of the time to pay more attention to, to choose those formal large-scale organizations, the line is generally in the Bei Tip speed check, small seven letter check, with the Shield data of these platforms to do the pre-lending audit. Because small organizations are generally less reliable, in the event that 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 focus is on big data and platform risk control; while applying for bank loans and loans from lending institutions and platforms that have access to the central bank's credit system is to focus on the borrower's central bank credit report.

Now there are a lot of online loan records can provide online loan big data system, you can look up: small seven letter check. You can query the online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate amount and other important data information and so on.

Three, the online loan late will hit the entire address book?

After the overdue, there are 2 ways to avoid the address book being harassed.

1, the borrower can tell his parents about the overdue matter, ask them to help pay back the money, the borrower does not have to pay interest on the money borrowed from his parents, which can save a large amount of money for the borrower. The money owed in the online lending platform to pay back can avoid online lending to hit the address book;

2, the borrower can give the online lending customer service call to explain not intentionally late, so that the online lending to the borrower some time to pay back and do not phone call collection, the borrower through their own labor to pay back the online lending loan, which can also be effective in avoiding online lending to hit the address book impact on the borrower's life.

Network loans hit the borrower's address book in the following cases:

1, the borrower's information is mainly verified, this time the network loan will give the borrower's address book to call the audit;

2, the borrower in the network loan to produce late behavior, this time the network loan will give the borrower's address book to call the call for collection.