First, when the borrower applies for a loan, let the customer provide it himself. Customers are generally required to print their phone records as one of the loan application materials. Many online lending companies will also directly ask customers to provide service passwords set by telecom operators, so that online lending company personnel can directly log in to the online business hall of telecom operators and download customers' communication records directly.
The second is to directly read the call records, address books, text messages and other information in the customer's mobile phone through the mobile APP client of the online lending platform. I wrote an article "The Terrible Mobile Lending APP: A Black Hole that Swallows Personal Information" before, which specifically exposed this point.
Third, it is obtained through the big data online credit service company. Online lending companies generally need to check two credit reports of borrowers, one is PBOC credit report and the other is online credit report. Just like the S.H.I.E.L.D. credit report, many people's call records have been uploaded to the online loan company database, which can be found by all lending institutions accessing the online loan credit information system.
Finally, it is not excluded that some shell companies cheat borrowers' personal data under the guise of loans. Therefore, I would like to remind everyone that the telephone records contain a lot of private information, so we must confirm whether the lending institution is formal and whether it has a business license before lending. Otherwise, if you meet a liar, you and your relatives and friends may suffer losses!