Several information of online loan audit:
(1) Personal credit report: In the personal credit report, the online lending platform only looks at three points: First, it is overdue. 90 days is a demarcation point. More than 90 days, basically not approved, less than 90 days, if there is still a chance within 3 times, more than 3 times, basically not approved. Second, look at liabilities. If your total debt is large, it will basically not be approved, if the approved amount and rate are not particularly good. Third, look at the number of credit inquiries. Too many credit inquiries indicate that you are short of funds recently. The online lending platform will also pay special attention. Therefore, when looking for loans, it is best to look for people who don't check their credit information. Even if the application is unsuccessful, there will be no trace of your credit information, which will affect your application for another home. (2) The savings card is flowing: Many people think that their savings card is flowing and beautiful. In fact, online loans look at the flow of savings cards, mainly to identify the salary part and see if you have a stable income. Savings card running water is an optional application material in most cases. If you don't have a steady and considerable salary, don't provide it. (3) Alipay and Sesame Credit Score: Now many online loan companies use Alipay information, and your consumption and reputation are a good standard. (4) Work information: Now some online loans need to provide work certificates such as work permits and business cards. We suggest that everyone provide real personal information, because once fraud is found, it will be blacklisted by online lending institutions.