If you want to inquire about the blacklist of online loans, you can generally inquire in some private inquiry systems and third-party platforms.

Second, the specific analysis

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 have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.

Third, the comprehensive score of applying for car loan is insufficient?

When applying for a loan, the audit system of the loan company will evaluate the sum of the applicant's scores. If the score is lower than the system standard value, the loan application will be rejected, and it will be prompted that "the comprehensive score is insufficient". At this time, if you want to continue the loan, you must find out the reason why the score is not enough, and then you can continue the loan.

Some reasons for insufficient comprehensive score:

1. The application materials are incorrect or untrue.

When borrowing money, if the application materials are filled in incorrectly, the loan platform will not be able to confirm whether I have applied for a loan, and will naturally be rejected. In addition, fraudulent acts such as stealing other people's identity information and fabricating work units will also be directly rejected.

2. The qualification does not meet the loan conditions.

Loan platforms generally require applicants to have stable jobs and provide proof of income. If you don't have a job or have a low job income and no other economic proof, it will easily lead to insufficient comprehensive scores.

3. Have a bad credit record.

Many loan platforms have been connected to the People's Bank of China for credit investigation or granted credit through Sesame Credit. If there is a bad credit record before, once the platform checks personal credit, it is inevitable that the comprehensive score is insufficient.