1. Offline

Borrowers can carry their ID cards or other information that can prove their identity and go to the local branch of China People's Bank for inquiry.

generally speaking, China people's bank branch will have special staff to help borrowers make inquiries. Branches around the country also have credit inquiry machines. Borrowers can use machines to inquire when they are used to machines, and they can ask staff for help when they are used to manual work.

2. Online

Borrowers can directly log on to the official website of the Credit Information Center of the People's Bank of China, search for "credit information", and then find the "Internet personal credit information service platform". Click to enter and follow the prompts step by step to inquire about personal credit information.

second, AliPay inquiry

not all online lending platforms are connected to the credit information center. Therefore, some online loans use sesame credit sub-authorization.

The borrower can log in to his Alipay account directly, and then on the settings page, find "Security Settings" and click Enter. Then click "Account Authorization", you can find the third-party loan platform authorized by Sesame

, and you can know which online loans you have applied for.

Third, SMS inquiry

Any online lending platform requires borrowers to provide real-name authentication mobile phone numbers. When making a loan, you also need to collect information such as verification code through your mobile phone number.

when the repayment date comes, the online lending platform will also send a short message reminding repayment. Borrowers can judge which online loans they have applied for by querying the previous SMS records.

does more online loan applications have an impact on credit reporting?

In fact, if the borrower applies for too many online loans, the debt ratio on credit information is too high, or there are too many records of small loans, it will be judged by financial institutions as low repayment ability and long-term borrowing.

under such circumstances, the borrower's application for other credit business in the future will be greatly affected. Moreover, you will often receive some short messages and sales calls for loan advertisements, and your life may be affected to some extent.

In addition, borrowers need to be reminded to pay attention to choosing a formal institution when choosing a loan platform. It is best not to choose a loan platform with low loan threshold, unknown fees and pre-loan charges. If you don't know which platform is good, it is recommended to choose a platform with strong background strength, so as not to accidentally borrow an illegal platform and cause your own losses.

will you know if you are loaned?

1. You will know if you are loaned. Users generally need a real-name authenticated mobile phone number and bank card to apply for a loan, while others who steal their ID cards to apply for a loan also need to correspond to the mobile phone number and bank card. Therefore, the user who has been loaned can know, and the lending institution will send a loan message or a repayment message to the user's mobile phone number.

Legal basis:

Provisions on Procedures for Handling Criminal Cases by Public Security Organs

Article 268 The materials collected by technical investigation measures can be used as evidence in criminal proceedings. If the materials collected by technical investigation measures are used as evidence, which may endanger the personal safety of the relevant personnel, or may have other serious consequences, protective measures such as not exposing the identity of the relevant personnel and the technical equipment and investigation methods used shall be taken.