How to check whether you have a loan record

Check your credit report directly.

1. Central Bank Credit Report. You need to bring your identity document to the local central bank branch to check. The credit report will show the user's lending platform, loan amount, loan period, negative information and other data in the past five years.

2. Baihang credit report. Just open WeChat and find: Raindance Quick Check. Click Query and enter information to query your own credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Your own personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit and other important data information.

What is a loan card record?

It is connected to the headquarters of financial institutions such as commercial banks through dedicated lines, and extends the terminal to the business counters of credit officers in commercial bank branches through the intranet system of commercial banks. At present, the information sources of the credit reporting system are mainly financial institutions such as commercial banks. The information collected includes basic information of enterprises and individuals, credit information such as loans and guarantees from financial institutions, and major financial indicators of enterprises. To put it simply in my language, you can check your loan records, including unsettled arrears and settled loans, which is an important document used to assess your repayment credit!

How to check whether an individual has a loan record

You can go to the official website of the Credit Reference Center of the People's Bank of China to check whether there is a bank loan.

The specific steps are as follows:

1. Search "Credit Reference Center" on Baidu webpage, find the website of the Credit Reference Center of the People's Bank of China, and then click to enter.

2. After entering, find the "Internet Personal Credit Information Service Platform" and click to enter.

3. After entering, find "Start Now" and click to enter.

4. After entering the login interface, enter the user name, password and verification code, and click Login.

5. After logging in successfully, enter the personal account page, check the credit report under the application credit information column, and click to obtain the dynamic password.

6. Enter the mobile phone dynamic password and click Submit.

7. After receiving the identity verification code, enter the obtain credit information page, check the personal credit report, enter the identity verification code, and click Submit.

8. After submission, you can see your loan record on the credit report page.

That’s it for the introduction of loan records.