1, reduce the personal debt ratio and pay off part of the previous arrears in advance;
2. Conduct additional certification, such as social security certification and provident fund certification;
3. There are overdue records of credit investigation, and it is necessary to pay off overdue debts;
4. Insufficient repayment ability and need to submit additional financial proof materials;
5. There are too few credit records in the credit investigation, so it is necessary to continue to accumulate good credit records.
Because after the loan is rejected, only the loan approval inquiry record will be left in the credit information, but not the loan record, so users should also pay attention to the frequency of applying for loans.
All the above methods can help users improve their comprehensive credit score, and after the comprehensive credit score is improved, the probability of passing the audit can also be improved. Due to the interaction of various reasons, users usually have insufficient comprehensive credit scores, so users need to solve multiple problems at the same time when solving problems. After solving the problem, if you apply for a loan again, whether you can pass the examination depends on the examination results on the page.
Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
Extended data:
How to apply for a bank card when the online loan big data is black?
Big data "flower" or "black" means that your own network information is getting worse.
Because many people think that online loans don't have to be repaid, some people deliberately don't repay them after borrowing them, causing serious overdue, and finally they become what people often call "cyber black"; Others think that it is very convenient to apply for online loans. You don't need to call a contact person to apply all the time, which will easily lead to changes in big data. When you apply for a loan or a card in the future, you can refuse the application simply by "borrowing for many times".
Although these behaviors are not shown in the credit report, the third-party data platform has recorded these behaviors in the system, and it will be very difficult to apply for online loans in the future.