Some platforms will automatically save users' online loan credit inquiry institutions, and can't inquire at will. If there are too many records, it will be more difficult to apply for loans in other institutions.
Many users think that online loans can't be used for credit reporting, so don't care too much. In fact, this idea is wrong. Now more and more online loan data have been shared with databases such as car loan finance, Alipay and even bank third-party credit reporting.
Therefore, many users found that their Alipay usage records were not bad, but they spent money and borrowed money, and the amount was reduced or even closed. Therefore, in order to protect your credit history, you must pay attention to your big data report.
In the era of Internet finance, although loans are very convenient, we must spend rationally, lend rationally and lend rationally. Pay attention to repayment on time and maintain a good credit record. If you are worried about your online loan data, you can search on the WeChat homepage: Mi Gu data. Self-query online loan data report, the data platform has docked more than 2,000 online loan databases, and the data query is more accurate. No matter the online loan application record, online loan data report, online black index score, hit risk warning, overdue information, prosecution or arbitration cases and other data can be displayed one by one.
Compared with the central bank's personal credit report, the atmosphere of personal credit records is more extensive, and the institutions published are more diverse, such as Mi Gu Data, Sesame Credit, Tencent Credit, and People Credit. These are all part of personal credit history. Generally speaking, it is more similar to the online big data credit report, which is a useful supplement to the traditional personal credit report.
At present, the country is building an all-round "credit network" without dead ends, connecting the society and enjoying information, whether it is a credit report or a personal credit record, it is an important link. Protect your credit. Credit is the greatest asset and wealth for everyone.