Applying for too many online loans in a short period of time will damage your online black index and become a blacklist for online loans.

Once you are on the online loan blacklist, you need to wait patiently for a period of time. It usually takes 3-6 months for your online black index to return to normal and become a white account.

Just open the WeChat homepage and search for: Muli data. Click Query and enter information to query your own Baihang 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. Query your 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 estimated credit limit and other important data information.

Compared with the central bank’s personal credit report, personal credit records are more extensive and issued by more diverse institutions, such as Muli Data and Zhima Credit Score, which are all part of the personal credit record. It is more similar to the big data credit report mentioned on the Internet, and is a useful supplement to the traditional personal credit report.

At present, the country is building an all-round "credit network" with no blind spots, connecting society and sharing information, whether it is credit reports or personal credit records, are important components of it. part. Protect your own credit. For everyone, credit is the greatest asset and wealth.