Can online loans check credit information casually?

Do online loans check credit information every time they borrow?

Some are useful, some are useless. Every time you apply for online loan, you need to check the credit report, so even if you repeat the loan, you will check the credit report. Online lending itself is a product that does not check credit information, so whether it is an application or repeated lending, it will not check credit information. Therefore, when users apply for online loans, if there is an agreement authorizing credit reporting, they can know whether online loans need to be checked.

Extended data:

Credit investigation includes personal credit and enterprise credit. Of course, there are also government credit reports, but they can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of credit ability (mainly solvency and solvency degree) of enterprises, bond issuers, financial institutions and other market participants on the basis of analyzing and studying their credit records, operating level, financial situation, external environment and other factors. Formally, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its reputation, and it is an indispensable intermediary service in the market economy system.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.

After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

Is there a credit report for online loans?

First, some loan platforms that do not check credit information are for reference only, so choose carefully:

1, second speed man. The loan amount is between 2000 and 5000, and the longest loan time is 15 days.

2. The king's loan. The loan amount is between 1000-200000, the longest loan period is 1 year, and the lowest is half a year.

3. Digital wallet. The maximum loan amount is 5000 yuan, and the loan time is short, the longest is 1 month.

My sister owns a mine. The maximum loan amount is 5000 yuan and the longest loan period is 15 days.

5. Meituan Monthly Offering: It can be regarded as the flower bud of Meituan version. Maybe it's overdraft first and then consumption. The system automatically evaluates the credit. After obtaining the quota, you can take it out at the US Mission. Free for 7 days, and need to be returned on the eighth day. If it is overdue, a penalty of 0.5% will be charged. Some netizens reported that they didn't see any records in the credit information after use, and it is certain that they can't get credit information without checking the credit information.

6. Alipay reserve fund: a small short-term emergency credit product launched by Alipay. The loan amount starts from 500 yuan, and it can be used free of charge for 7 days. It can only be used twice a month, but it can only be used after each loan is repaid 1 time. The audit mechanism is similar to borrowing, which starts with a systematic and comprehensive evaluation, but it can't be used without checking the credit information.

7. Today's headline reserve: similar to Alipay reserve, it is also a short-term small loan credit product with a quota of 500~2000. You can borrow it for 7 days for free during the promotion period. The system automatically evaluates the credit, adopts the white list invitation system, and can submit the loan after obtaining the quota. Credit information will not be checked when applying, but if the loan is issued by a cooperative licensed financial institution, the credit will be affected.

Two, personal credit report includes the following basic contents:

1, personal information, including name, gender, age, work unit, contact address and other information used to identify individuals;

2. Bank information, which lists each credit card and loan business in detail, and specifically shows the past debt history of the credit party;

3. Non-bank information, which records the payment of consumers in terms of communication, water, electricity, coal, etc., such as whether the use status of mobile phones is normal, whether public utilities are in arrears, etc.

4. Objection record. When the respondents think that the contents reflected in the report are controversial, they can reflect them in this part by adding statements. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit reporting agencies to correct and update information;

5. Query record is a summary of all the queried records of an individual in the last 6 months.

Small loans, loans, flowers, check the credit?

There are some rumors on the Internet recently. The general idea is:

First, the use of small loans, loans, flower beds, etc. , will be frequently queried for credit information, which will affect your bank loan and credit card application.

Second, the overdue records of small loans, loans and flower beds will be recorded in the central bank's credit information system. You're done!

Is this true or not? In order to verify, I dialed these customer service numbers. Now give you the most official explanation!

Spend it and borrow it.

These two models are products of Ant Financial Services (Alipay). Flower buds are consumer credit products, equivalent to bank credit cards. Lending is a very popular micro-credit now.

There is a "help center" on Alipay APP. I only found part of the answer from here.

Question 1: Will the overdue records of Hebai be collected at the meeting?

Borrowing gives a very positive answer: overdue borrowing will be recorded in the central bank's credit information, and it will also affect your sesame score.

This influence is very bad! Applying for bank loans and credit cards depends on the central bank's credit information; The application of online cash loan should refer to sesame score.

Overdue borrowing will not only affect the credit information, but also affect the sesame score, which is equivalent to blocking all your borrowing channels!

I called Bai Hua's customer service number. The answer is this:

Bai Hua will not upload credit information for the time being, but it may be in the future. If you want to collect credit, you will be authorized by the user first.

Question 2: Will the use of flower beds and borrowed flower beds be frequently inquired for credit information?

I still dialed the manual customer service for this question. However, they didn't give me a definite answer.

The customer service lady has repeatedly said: We will conduct a comprehensive evaluation of your Alipay account, and only when it meets the requirements will it bloom and borrow flowers for you. Manual intervention is impossible.

In this regard, my understanding is: I get the credit line, borrow it, and I won't check the credit. What about when I use it?

So I opened various terms of service in small print. Have made an amazing discovery!

Check the credit information when applying for a loan! Although the words painted in the red line are so long and winding, that is, the central bank's credit investigation is right!

I didn't find the words "collect your credit information and credit report from the basic database of financial credit information of the People's Bank of China" in the agreement of Bai Hua. At present, I don't think you will check your credit information when using Baihua!

petty loan

As for micro-loan, it is a micro-loan launched by Tencent Weizhong Bank.

People in the background often ask: What is the relationship between micro-loan and your micro-loan network? Official reply: Although the name is similar, it doesn't matter!

There is also a "common problem" in the operation interface of micro-loans. You can find most of the answers about credit reporting.

Question 1: Will overdue records of micro-loans be collected at the meeting?

Although the official has given a lot of positive guidance. But to sum up, it is a sentence: micro-loans are overdue! Suitable!

Question 2: Will the use of micro-loans be frequently queried for credit information?

The official is still guiding positively. But the answer is also very clear: applying for a small loan will check the credit information! Apply once, check once! And use and cherish.

However, Tencent officials are more sincere. In view of the adverse effects caused by frequent credit information inquiry, they gave a solution:

If you are applying for a mortgage, you can call customer service if you have any questions about the credit history of micro-loans. If necessary, Weizhong Bank can issue corresponding written certificates. Customer Service Tel: 0755-89468888

Finally, I will give you two questions about popular science.

Q 1: Why do frequent inquiries about credit information affect bank loans and card issuance?

When you borrow/apply for a card, any negative information may have an impact.

Being frequently queried by online loans in a short period of time will make banks feel that you are short of money or have a high debt ratio, thus being listed as a high-risk group.

Q2: Can online loans check our credit information at will?

No way! Not to mention Alipay and Tencent, even if the bank wants to check the credit, it must be authorized by you!

When applying for online loans, you are often asked to check the agreement that agrees to this agreement, which may contain the clause of "authorized inquiry and credit reporting". Therefore, be sure to see clearly when checking!