There are many folk inquiry systems, so we should pay more attention when choosing them. To choose those formal large institutions, we generally do pre-lending audit on platforms such as Beijian Express Inquiry, Winnie Hsin Inquiry and Tongdun Data. Because small organizations are generally unreliable, a person's information will be leaked, which will also cause security risks.
If you want to check the central bank's credit information, you can bring your ID card directly to the local central bank's credit information center. You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to official website, the central bank, and query directly on the computer.
Central bank credit reporting has little to do with online lending big data. If you apply for online loans, it is mainly based on big data and peaceful typhoon control; The application for bank loans and loans from lending institutions and platforms accessing the central bank's credit information system are mainly based on the borrower's central bank's credit information report.
If you are not clear about your online loan big data, you can check your online loan big data information in "Beijian Quick Check". The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate.
Extended data:
Online loan overdue violent collection report phone?
Overdue calls from online loans can be handled in the following ways.
1, keep your mobile phone open and answer it at any time.
Never refuse to answer the phone when the online loan is overdue, otherwise it will be considered as malicious overdue by the online loan platform, which will increase the frequency of incoming calls and may even take other collection measures, such as door-to-door and prosecution. Unless the other party calls at night, midnight, early morning and other abnormal times, the borrower can not answer, because this is a violent collection.
2. Record the whole call.
From the connection to the end of the call, we must record the whole process, mainly to protect our rights and interests. It is one thing that online loans are overdue, but it does not mean that online lending platforms can take violent collection actions against borrowers, such as verbal insults and slanders on the phone. In this case, complaints can be made on the basis of recording.
3. Confirm the identity of the caller
After the call is connected, you have to confirm the identity of the other party. For example, for the collection personnel arranged by the online loan platform, you must ask the other party to report which collection company and job number. If the other party refuses to tell the truth, you can just hang up. Only after the other party informs can the next communication and dialogue be carried out to avoid fraudulent collection.
4 explain the reasons for overdue non-malicious arrears.
Many borrowers still don't have enough money to repay when they receive a phone call after the online loan is overdue. They can truthfully explain their situation on the phone, such as being ill in hospital or unemployed, and having no money to repay due to major family changes. The key is to make it clear that they didn't pay back on purpose and show that they have enough evidence to prove that they are not maliciously overdue.
5. Explain the economic situation and indicate the willingness to repay.
Borrowers should also explain their financial situation, such as monthly salary, and then put forward their own repayment plans, such as how much they can repay with their own income and how long they can repay at the latest, so as to show their willingness and ability to repay.
6. It is proposed that the online lending platform suspend collection.
The borrower can also declare on the phone that he can't repay all the arrears at present, hoping that the loan platform can suspend the collection and give himself a buffer time to deal with the arrears. Otherwise, it won't help if there is still no money to pay back how much money has been collected.