Credit rating is an index level based on the credit, quality, solvency and capital of an enterprise or individual, which indicates its future solvency with certain symbols. CreditEase.com's credit rating is divided into AA, A, B, C, D, E and HR from high to low. The higher the credit rating, the higher the loan success rate.

The factors that affect the credit rating of personal loans mainly include the following aspects:

I. Identity authentication

For P2P online lending platform, the higher a person's education level, the higher his credit rating will be. Various titles, whether he has a stable job or not, will be considered in the process of credit identification. Civil servants, teachers, doctors and some employees with good welfare benefits will be given appropriate points.

Second, the property status

What we are talking about here is value-oriented real estate, such as houses, cars, machinery and equipment. Owning a large number of high-value real estate can effectively resist credit risks and improve credit rating.

Third, credit history.

The beginning of establishing credit is to borrow money from banks. If there is no loan relationship with the bank, the bank's credit record will be blank. Therefore, it is best to get a credit card and develop good repayment habits, which will be reflected in the personal credit report.

Credit records can be accumulated continuously. If you borrow money from CreditEase many times and repay it on time, your credit rating will be improved accordingly and you can enjoy more convenient services.

One sound. Com Reminder: Pay attention to the following behaviors, which will obviously reduce your credit rating:

1. There are litigation records.

2. Overdue repayment

3. Borrow from other online lending platforms

4. Forge relevant information

5. Apply for loans frequently in a short time.