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Mr. Sun says the information isn't a comprehensive credit report, and accessing it doesn't affect your credit score.
A lack of comprehensive credit rating tools could hamper the auto financing industry in its early stages, as lenders are forced to do background checks, which are costly and time consuming.
China's strong cash culture and lack of comprehensive credit rating tools are major hurdles for the 35 billion-renminbi-a-year industry, according to Sheng Ye, associate research director for Greater China for the industry consulting firm Ipsos.
And the payments platform also provides a comprehensive credit card processing and fraud risk management services.
Once the data are collected, the information is consolidated after cross-checking to provide a comprehensive credit report.
This is an important result, as bank-level data is typically the only information available in countries that lack comprehensive credit registers.
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Bouchard enlisted writers whose comprehensive credits include "The Onion," "SNL" and "The Daily Show" among other sources.
In fact, most of the leading P2P lending platforms use big data technologies to build more comprehensive and dependable credit profiles.
"The problem is pervasive and the data set that we have is relatively comprehensive," Anish Acharya, Credit Karma's vice president of data products, told TechCrunch.
"[Anthony] Crosland got all the credit for comprehensive education, but it was Alice, plodding away in the 1940s and 50s when comprehensive education was not fashionable even in the Labour party, where there was a sort of feeling the tripartite Butler system, as long as properly implemented, was the right thing to do and children would get the education suitable for them.
There are not many comprehensive studies of students' credit card debt, but the loan company Nellie Mae, a unit of Sallie Mae, reported that in 2004, 76percentt of undergraduate students had cards, and that they carried an average balance of $2,169.
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