To inquire about the big data of online loans, usually in some private query system, third-party platforms.
Two, specific analysis
There are a lot of private query system, when choosing 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 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.
If it is not compliant with this type of online loan overdue, there is no impact on your personal credit status, but the online loan record will remain in the online loan big data. Find out: Pei Tip Quick Check to see your online loan history, online loan overdue details, debts owed, lost credit information and online loan blacklist information.
Three, how long does it take to solve the problem of insufficient car loan composite score?
The comprehensive score of the loan is actually the comprehensive creditworthiness of the borrowing applicant, which is quantitatively analyzed by the lending institution according to relevant scoring standards on the applicant's personal credit information, personal income, etc., and finally expressed in the form of a score.
There are many reasons that lead to insufficient comprehensive score of the loan, such as credit spent, too many hard query institutions, or credit black, such as multiple overdue in six months, overdue more than 90 days; personal data fill in the untruthfulness of the bank water is not time-sensitive; cell phone number is not real-name authentication used for more than half a year; online loan applications frequently, such as applying for more than 10 online lending products in a month.
How long it takes to recover from an insufficient loan composite score depends on what the reason for the insufficiency is.
If there is a late record on the credit card, it takes at least two years to settle the overdue loan before the negative impact of the late record is reduced, and five years before the late record disappears.
If it is the personal data is not complete enough, then directly change the information, or re-print the bank current can be, it will take a very short time.
If it is because of too many hard inquiry records on the credit, frequent application for online loans, generally stop all kinds of loan applications, do not apply for credit cards, and do not go to check the credit themselves, after six months time, the credit will be restored more or less.
Loan comprehensive score is insufficient to raise how long, or to treat the symptoms, solve the problem, do not blindly go to a variety of applications for loans in the case of insufficient score, but will affect the score.