1. Financial institutions authorize inquiries, such as applying for credit cards, loans, guarantees, etc.

2. Personal inquiries, such as wanting to know your credit status;

3. Enterprises and institutions are authorized to inquire, such as applying for credit guarantee and credit investigation;

4 court inquiries, such as the trial of litigation cases;

5. Inquiries of social security institutions such as social security and medical insurance;

6. Inquire about the recruitment company. For example, some positions need to inquire about the applicant's credit history.

Suggestions on overdue online loans: If you are facing the problem that online loans are overdue and being collected, I suggest you go to Beijian Kuaicha to get a detailed big data report, understand your overdue records, and classify your online loans, so as to distinguish between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.