1, 360 IOUs

360 For pure credit loans with relatively low financial threshold, the system comprehensively evaluates personal credit and account status according to 360 big data. Those who meet the conditions can obtain credit lines and can borrow within the lines. The requirements for users are not very high, but the premise is that you must have repayment ability and good credit. You can also try it.

2. Ten thousand E loans

Ping An Pratt & Whitney Consumer Credit Loan has a maximum loan amount of 50,000 yuan, and the application threshold is relatively low. After providing ID card, mobile phone number and bank card information to complete real-name authentication, you can make a loan. People with good credit and strong repayment ability can borrow it easily, and those who spend money on credit investigation also have the opportunity to make the next repayment.

Step 3 lend it to you

For credit loans with low thresholds, the requirements are not very strict. If you are over 20-55 years old and provide your real name for more than 6 months, you will have the opportunity to get a credit line. If you borrow from 500 yuan, the maximum credit line is 200,000. How much can be borrowed is related to the user's qualification and credit. As long as the credit is not overdue, you can apply for it at a little money.

4. Yin Bei consumes E-point loans

The pure credit owned by consumers in Yin Bei can be loaned up to 50,000 yuan, the term can be freely selected in 3~ 12 installments, and the daily interest rate is as low as 0.03%. There is no need for mortgage guarantee, and the whole process is applied online, and the lending speed is very fast. If you are 20-50 years old, just provide your ID card, and you can also try a credit card. Xinjiang, Qinghai and Xinjiang are not allowed to apply for the exam for the time being.

1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.

Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.

2, according to the service object can be divided into credit, business credit, employment credit and other credit.

The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.

3. According to the scope of credit reporting, it can be divided into regional credit reporting, domestic credit reporting and transnational credit reporting.

Regional credit information is generally small in scale and only provides credit information services in specific areas. This model generally exists in countries where the credit information industry has just started. After the development of the credit information industry to a certain stage, most of them tend to merge or specialize, and the real regional credit information gradually disappears. At present, domestic credit investigation is one of the most formal institutions in the world, especially in countries that have set up credit investigation institutions in recent years. Cross-border credit reporting has risen rapidly in recent years, and this kind of credit reporting can develop rapidly.

How to get a credit investigation of a loan?

You can apply for a loan if you spend money on credit investigation. Whether it can be approved depends on credit institutions such as banks.

It is the credit institutions such as banks that decide whether you can get a loan. The credit center only provides your credit report truthfully, which is one of the important references for banks and other credit institutions to decide whether to give you a loan.

When the bank decides whether to give you a loan, it mainly considers the following factors:

Bank's credit policy: that is, what kind of people the bank is willing to lend to. For example, some banks are willing to issue credit cards to students at school, while others are unwilling. The bank's credit policy is determined by the bank's own management ability and market positioning.

Basic information of the borrower: the nature of the borrower's work, living conditions, financial conditions, etc. ;

Credit status of the borrower: the borrower's current debt level; Have you ever had a credit history of borrowing money and not paying it back?

So your credit report is only one of the references to help banks make credit decisions, not the only basis. You can apply for a loan if you spend money on credit investigation, but whether it can be approved depends on credit institutions such as banks.

Extended data:

Commercial banks can read your credit report when reviewing your credit application, but they must get your written authorization; If you are already a borrower of a commercial bank or hold its credit card, this commercial bank can also read your credit report, but you don't need your written authorization. Of course, you can also provide it to other institutions according to your own wishes.

Reasons for the error in personal credit report

1. When handling loans, credit cards and other businesses, you provided incorrect information to the bank yourself;

2. Others use various illegal means to steal your name to handle loans, credit cards and other businesses;

3. When handling loans, credit cards and other businesses, the counter staff may make mistakes in your information entry due to negligence;

4. When the computer processes data, there are technical errors due to various reasons.

Solutions to personal credit report errors

1, reflect it by itself or entrust others to the credit management department of the local branch of the People's Bank of China;

2. Report directly to the Credit Information Center;

3. You can entrust a commercial banking institution directly related to the wrong information to reflect it.

Improve the quality of personal credit report

1. When handling loans, credit cards and other businesses, provide correct personal information to banks and update their information in time.

2. Always care about your credit history and check your credit report regularly.

3 found that there is an error in the credit report, timely report, apply for correction.