The fingers of fast loans are counted, probably because you are on the "gray list" of the internal system of lending institutions.
As we all know, the "blacklist" means that credit information or big data is overdue for many times, the court is involved in litigation, and bad records have been settled. Once you enter the "blacklist", you will definitely miss the credit card withdrawal application and loan. But what is a "grey list"?
The grey list refers to customers who have had "sensitive behaviors" and are considered as high risk, and will be labeled as "risk" by the credit examiners of lending institutions. Therefore, although the credit report and big data do not show overdue, it may also lead to loan rejection. Generally speaking, there are several reasons for the "grey list":
1
Apply for loans from a number of institutions in the short term.
Some people are short of money, so they apply for loans everywhere, and at the same time submit applications in banks or several loan platforms (online loans). If you apply for loans frequently in a short period of time, it will be judged by the risk control of the lending institution that you are very short of money, and the risk of overdue is particularly high. There is a possibility of bad debts, so you will be directly pulled into the gray list and will not be granted loans.
Some friends think that as long as they can't apply for a small credit loan, they will be fine, so they will engage in various small loans, and even have the saying that "the next payment will be returned." All kinds of overdue loans will be uploaded to the big database of the online loan industry, and it will be more difficult to borrow in the future. Don't think that loans only look at credit information, and big data is also very important. The online lending industry 100% relies on big data, and even now some banks have begun to refer to online lending big data.
2
Have a tendency to cheat loans
Maybe you didn't deliberately defraud the loan, but just submitted false information in order to pass the audit more smoothly, or your mobile phone number didn't have real-name authentication, and the use time was too short. These will be interpreted as high risk factors.
three
Higher comprehensive debt ratio
Carrying a car loan and a mortgage, or even guaranteeing others, the income is far less than the debt, so the probability of loan rejection is relatively high.
four
Find an intermediary loan.
Personal qualifications are not very good, and sometimes it is inevitable to rush to the hospital to find a so-called intermediary company to help you. In case of unfortunate encounter with a "black institution", in order to get the loan fee smoothly, the intermediary will falsely report the loan information and even resort to deceit.
The consequence of this is that you are listed as a risk customer by the lending institution, and it will be more difficult to apply for a loan in the future.
This is not the worst. If you meet a blacker intermediary, get your handling fee first, and then sell your information to the collection company. Then the collection company will contact you to ask if you have borrowed money from xxx and call you to repay it as soon as possible, otherwise you will face door-to-door collection. Many people apply for many loans, many of which are overdue, so they are easily fooled and fall into an endless abyss. ...
I suggest you keep good borrowing habits. If you want to borrow money, you must find a formal professional platform organization, and protect your personal information and keep your personal credit record.
If you encounter a problematic intermediary or collection company, please contact the police in time to ensure your personal and property safety.