Two query methods can query personal loan records.

1, central bank credit report. You need to bring your ID card to the local central bank's outlets to inquire. The credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past five years.

2. Query the online loan database. Open the WeChat homepage and search: Feiyu will check it quickly.

Click Query, enter information and find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Operating environment: Apple, Android, and the latest version of China People's Bank APP are available.

Inquiring about the central bank's credit information requires me to bring my ID card to the local central bank outlets for self-inquiry.

However, it only needs a mobile phone to query the credit information of hundreds of banks. As a private credit reporting agency of the central bank, hundreds of banks have complete credit reporting data and are widely used, ranging from car loans, credit cards and other financial services.

When there is a problem with the user's 100 line credit score, the above services cannot be used. The credit scoring standard of 100 banks is 0- 100. The higher the score, the better the credit. Scores below 40 points are blacklisted.

Therefore, to apply for online loans for a long time, you should check the credit information of your 100 banks in time to prevent credit damage caused by blind application for online loans.

Just open WeChat search: 79 data. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

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.

How to check the total credit line of credit card (debit card)?

The total credit line of credit card (debit card) is too high, which means that the personal debt ratio is too high, which will affect the cardholder's application for loan. If you want to inquire about the total credit lines of all credit cards (debit cards) under your name, you can print them through official website, the Credit Information Center of the People's Bank of China, or you can go to the personal credit information report inquiry outlet yourself.

On the personal credit report of the central bank, cardholders can see the detailed information of credit cards (debit cards) that they have handled under their own names, including processing time, usage, overdue status, credit line, etc.

Note that no one only makes free inquiries through official website twice a year, so don't make frequent inquiries.

How is the loan reflected in the credit investigation? Presented in these two ways!

As we all know, loans and credit cards will leave records on credit information, and any application, use, repayment, overdue and settlement will leave information, which can provide reference for subsequent credit information agencies. So how is the loan reflected in the credit report? In order to help you better understand the content of the credit report, today we will briefly introduce the relevant content.

1. What will be displayed in the credit report?

1, personal data

In the credit information system, information will be displayed according to your business dealings in financial institutions, so if you haven't done business for a long time, it may be somewhat different from the actual situation. Your name, ID card, marital status, detailed address, previous work unit and so on will be displayed here.

2. Information summary

It mainly displays credit card and loan records, which is a summary information. Many approvers want to see your total debt, such as the number of accounts, the number of overdue accounts, and the number of accounts overdue for more than 90 days. , divided into mortgage loans and other loans.

3. Details of credit transaction information

Specific loan and credit card records, including loan time, lending institution, loan amount, remaining amount, overdue situation, etc. , special circumstances will be displayed in red, such as overdue.

4. In addition, there are details of public information, inquiry records and explanations. These are also the contents of institutional reference.

Second, how is the loan reflected in the credit investigation?

1, displayed separately. For example, the one-time loan business will display time, organization, quota, status (unsettled/settled), remaining amount, overdue, etc.

2. Combined display. Some loans will be displayed together, such as revolving loans and installment business. To avoid the change of credit information caused by too much data.

How to check your credit information to see if you can get a loan? Without these records!

At present, most loan products have been connected to the credit information system. If you want to apply for a loan, you often need to check the credit information of the loan applicant. If the credit information is not good, it will be difficult to make a successful loan. Then how do you check your credit information to see if you can get a loan? Where do I need to read the records? This article will show you how to check your credit report.

How to check your credit information to see if you can get a loan?

1. See if there are any overdue records.

To apply for a credit loan, a good credit report is generally required, and there can be no overdue records. Once there is an overdue record, there is no way to apply successfully. Online loan products on the market are basically credit loans.

To apply for large bank loans such as mortgage loans and car loans, it is generally required that the accumulated overdue records in the past two years should not exceed 6 times, the continuous overdue time should not exceed 3 times and the overdue time should not exceed 90 days. If it is overdue, the bank will directly refuse the loan.

2. See if there are any bad debts.

Bad debts are more serious than overdue loans. Bad debts refer to loans that have given up collection and have not been settled. Once there are bad debts in the credit report, they will basically be rejected by various lending institutions and will not be given any loan opportunities.

3. Check whether there are records of non-financial liabilities.

Credit information will also be recorded, such as telecom payment and water and electricity payment. If these fees are not paid for a long time, the relevant departments may also report credit information, which will turn the credit information of the credit parties into flowers and affect the loan application.

4. See if there are too many query records.

Under normal circumstances, the number of inquiries should not exceed 5 times in one month and 10 times in three months, which means the number of inquiries made by lending institutions, that is, the number of inquiries for loan approval for applying for loans or credit cards should not be too many, and the number of inquiries made by institutions is too many, which indicates that the credit reporting parties have great demand for funds, are relatively short of money, have doubts about repayment ability, and are more likely to fail in applying for loans.

The above is the answer to the question of whether you can borrow money for your own credit information. You can check it twice a year for free. In order to avoid bad credit records in your own credit investigation, it is suggested that you can query the credit records of 1-2 times a year, so as to deal with all kinds of bad records in time.

Does the credit report of credit card loan show it? You'll know after reading it

Credit cards of many banks can also be used for loans, but they are generally called cash installment or special cash installment, which is regarded as consumer credit loans. And we all know that bank loans will be shown on the credit report, so is credit card loans the same? Let's have a look.

Does the credit report of credit card loan show it?

Many friends who have checked the credit report know that the credit report loan records are divided into credit card records and loan records. The former records the information of all credit cards in our name, including monthly repayment amount, credit limit of credit cards, used limit and repayment situation. The latter records all loan information under the name of the central bank, such as lending institutions, loan amount, repayment amount and repayment situation.

It stands to reason that credit card loans, as consumer loans, should be recorded in the loan records, but many card friends found that they could not be found in the loan records, thinking that they would not be displayed in the credit report. In fact, banks treat credit card loans as credit cards.

How to display credit information of credit card loan?

According to the loan amount, there are two display modes:

1. If it is a cash installment within the credit line, it will not be recorded separately, but the credit line and monthly repayment amount occupied after processing will be recorded in the credit card usage line and monthly repayment amount;

2. If it is a special cash installment that exceeds the quota, it will be recorded as an electronic credit card. The usage line is the loan line we handle, and the total credit line is the special line given by the bank. However, after the second generation of credit information is launched, some banks will separately include it in large-scale special installments.

In short, credit card loans will be displayed on the credit report, but according to the different loan amount, the parties displayed are also different, so everyone should pay attention to the distinction.

What is the relationship between credit reporting and loan amount? Why is the credit limit so low when the credit is good?

In real life, Dr. Kang found that many people have good conditions and good repayment ability, but they can't get the loan amount they want. After understanding, it is found that most borrowers' problems are still in credit reporting.

Simply put, credit information mainly records your personal basic information and financial lending information, in which financial lending information is the information uploaded by various financial institutions (which have a lending relationship with you), mainly recording your lending situation and whether there is any overdue record.

So, how does credit reporting affect the loan approval amount? There are two key points:

1. Do you have a credit history?

The problem of white households with credit information still exists. These people have never applied for a credit card or loan, nor have they given others a loan guarantee. They think it must be good to have no credit card, no loan and no record of dishonesty.

In fact, if the loan applicant is a white household, the lending institution will not know this person's past credit status, so it will be impossible to judge whether he is a sincere customer, and then it will be impossible to decide whether to give the loan applicant a loan and how much to give the loan applicant.

2. Is credit information good or bad?

Whether there is a credit record is a key; The quality of credit records is another key.

In a complete credit report, the following factors affect your loan approval amount:

1) forced recording

Some enforcement records on the credit report are included in the list of people who have lost their trust. In that case, you should have been blacklisted by the bank. As for the loan amount, don't think about it.

2) Bad debts

Bad debts are more serious than overdue. If there are bad debts, it is basically out of touch with financial institutions.

3) Overdue bad records

It takes five years for overdue records to be automatically eliminated. If there is overdue, the amount will be reduced, and the loan will be directly refused in serious cases.

4) Credit inquiry times

Asking too many questions means that you are in urgent need of money recently, and you have failed many times, which means that there is a problem. In this case, it is difficult to get a loan successfully.

5) Debt ratio

When approving the loan, the institution will take into account the previous monthly repayment amount. The more loans, the higher the debt ratio, and the weaker your repayment ability. When an individual applies for a loan, the accumulated monthly repayment amount of the debt shall not exceed half of the monthly salary.

However, another user asked: I have a good credit report. Why is the application volume still so low? Is it not enough at all? !

In fact, when applying for a credit loan, the loan approval needs to integrate your repayment ability in all aspects. Credit is only a part, mainly in the following aspects:

1, work unit

Under normal circumstances, in order to control risks when judging the qualifications of borrowers, online lending institutions tend to choose applicants who have a reputation background in state-owned enterprises and top 500 enterprises, and the quota will naturally be relatively high. Compared with ordinary wage earners, they have more stable income and higher wages, and their repayment is more secure, so the risk of fraudulent loans and overdue loans is much smaller.

2. Professional nature

In addition to the unit background, the applicant's own professional attributes will also be within the scope of institutional risk control. Under normal circumstances, the pass rate and quota of applicants engaged in sales positions and service industries are relatively low. The reason is that these people are highly mobile and their income is relatively unstable, so institutions will judge that their repayment ability and repayment reliability are relatively low.

3. Economic income

Income is the hardware condition for applying for a high loan. The higher your income, the higher your amount. At the same time, in addition to monthly income, there are some capital that can be used, such as your quarterly performance award and annual year-end award. Together, these total incomes can also increase your quota. In addition, borrowers who can provide bank payrolls for nearly three to six months are more likely to get loans than borrowers whose wages are paid in cash.

4. Proof of assets

Providing real estate license or relevant assets certificate can increase the loan amount. These assets can prove the lender's personal economic strength and repayment potential from an angle, and are also important reference data for loan approval. So if you have assets, you can get a higher loan amount by providing relevant asset certificates when applying.

5. Marital status

Although whether the loan application can be approved has little to do with whether the borrower is married or not, the loan amount is related to the marital status of the borrower. Generally speaking, married people get a higher loan amount than unmarried people.

Finally, choosing a safe and reliable loan platform is also an important way to increase the loan amount. For example, money-spending, micro-lending and ant borrowing are all high-quota online loan platforms. Everyone must carefully understand the nature and strength of the platform before lending, and find a suitable loan platform and loan products.

This is the end of the introduction of how to look at the loan amount and how to inquire about the loan amount for credit investigation. I wonder if you found the information you need from it?