1. It's free to check the loan platforms, but you need to know which loan platforms you have registered your account with, so that you can log on to the loan platforms and check whether you have borrowed money in the loan records. If there is no record that there is no loan, if there is, you must confirm whether you handled it yourself. But only for a single platform, and the records of other platforms cannot be viewed.
2. Inquiries through the credit report can only be made for the platform connected to the credit system free of charge, but it is not absolutely free, because the number of times per year is limited, and only the first two inquiries are free. If the number of times exceeds, it will be charged at the price of 10 yuan each time.
And there are two kinds of inquiry channels. One is online inquiry, such as on the personal credit platform or on the authorized bank APP, such as the four major state-owned banks. After submitting the query, the check code will be sent within 24 hours. After logging in, you will get a credit report with a check code and find a short version of the credit report; One is offline inquiry. You need to bring your valid ID, go to the local credit information center outlets, and make inquiries through self-service inquiry machines or counters, and you will find detailed credit information.
Finally, I would like to remind you that no matter through what channels, if you find that you have a loan under your name, but you didn't handle it yourself, you can collect relevant information and find a loan platform or a credit information center to file an objection application, so that you can cancel the loan and repair the credit information. Generally, the processing is successful within 20 working days, and it will be cancelled after verification.