1. Log in to the Credit Information Center of official website-China People's Bank directly on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit information reports; Or bring your personal ID card to the business hall of the branch of the local people's bank to find a staff member to inquire; You can also call the customer service of the People's Bank of China. We should know that when consumer financial institutions apply for loans, if the platform has access to the central bank's credit information, it will inevitably leave relevant records in the credit information.
2. You can query third-party data platforms, such as people's credit reporting. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit information, which is the first choice for criminals to defraud loans. Therefore, even if they borrow money, they will not leave a record in the credit report, and most of the relevant loan records are left in big data.
3. See if you have received a short message from a lending institution/platform without a registered account in your mobile phone. If there is a dunning message, it is likely that someone else has stolen the ID card.
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First, how to clear all the loan information of the ID card?
1. In order to clear all the loan information of the ID card, the customer first inquired about a credit report on the Internet personal credit service platform through official website, the credit information center of the People's Bank of China, and then learned about his loan from the report, and quickly paid off the outstanding loan.
2. Because many online lending platforms are not connected to the central bank's credit information system, the relevant borrowing and repayment conditions will not be recorded in the credit information, so customers may not fully understand it just by inquiring about the credit information. Therefore, it is best for customers to check big data through the third-party data platform later, and after finding the loan records, they will also pay off the outstanding loans.
When all the loans in your name are paid off, there will be no problem naturally. Of course, it should be noted that the previous loan records will not be completely eliminated after the loan repayment, and the loan repayment information will always be kept and cannot be deleted manually, so the customer can guarantee that the loan will be repaid in full. And if there is overdue, even after paying off the arrears, the overdue records can be eliminated by the system if they are kept for at least five years.