After contact, explain your intention first, then explain your situation clearly and provide relevant information to prove that you don't owe money intentionally, but you really don't have the ability to repay. Then you can put forward a good repayment plan according to your own economic situation, apply for extending the repayment period and repay the arrears in installments.
The loan platform should be considered as appropriate. If an agreement can finally be reached, then it is only necessary to repay the arrears in installments on time according to the negotiated new repayment plan. If negotiation fails, you can adjust the repayment plan and negotiate as many times as possible.
It is really impossible to negotiate, so we can only find another way. For example, you can borrow money from friends and relatives around you and raise funds to repay the arrears. And everyone needs to pay attention. If you find that the interest charged by the loan platform is too high, you can actually collect evidence and report it to the platform.
If you are refused to apply for online loans for many times, you can learn about your big data problems in Zhihu Check. It is an accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and complete data.
Extended data:
Can you recover if your comprehensive score is not enough?
Insufficient comprehensive scores can be recovered by uploading real information, increasing asset certificates, paying off some debts, repaying overdue debts, avoiding repeated applications, etc. Details are as follows.
1, upload real information
Before applying for a loan, the user must first use his real mobile phone number to receive the verification code and register a loan account. When actually applying for a loan, he must upload his real and effective information, such as his ID card and real-name registration system bank savings card, so that the system can confirm that he is applying for a loan and evaluate a higher comprehensive score.
2. Add an asset certificate
The reason why the comprehensive score is insufficient may also be that the user's asset certificate is few, which leads the system to think that the user's income level cannot be repaid normally. Therefore, before applying for a loan, users can also upload their own asset income certificates, such as salary flow, social security accumulation fund deposit details, immovable property certificate, vehicle ownership certificate and so on. , so the system will consider the user's qualification is good and evaluate a higher comprehensive score.
3. Pay off some debts
If the user's loan records and credit card records show that the debt is too high, the loan platform will think that the user's solvency is limited, resulting in insufficient comprehensive score. Users should take the initiative to settle some revolving loans and consumer loan products before applying for loans, so as to reduce the debt level of users and obtain a higher comprehensive score.
4. Repaying overdue debts
If the user's loans and credit cards are overdue, they must be repaid in time and cannot be overdue again in the next six months to 1 year, so as to get a higher comprehensive score. However, if it is particularly overdue, you can only apply for a loan after the five-year retention period recorded in the credit report has passed.
5. Avoid repeated applications.
When users need a loan, don't just test the loan amount on different loan platforms, which will leave a record on the credit report, thus affecting the approval of the loan. Before applying for a loan, users should understand different loan platforms, choose good loan products and avoid submitting loan applications repeatedly, so as to obtain a higher comprehensive score.