Customers are advised to apply for loans from banks or other licensed consumer financial institutions, because banks and financial licensed lending institutions generally review customers' credit information and have nothing to do with big data. Then, as long as the customer's credit information is not "spent", there is no record of bad information, and sufficient information is provided to prove that he has the ability to repay the loan on time, naturally, the loan can be successfully handled.

In addition, customers can try not to apply for new credit products for three to six months. After three to six months, the situation of big data "flowers" will generally improve. At that time, customers will apply for loans on the loan platform, and the chances of loan approval will increase.

As we all know, the reason why loan big data becomes a "flower" is because customers frequently borrow too many times, which leads to too long loan time. Therefore, in order to solve the problem of too many loan records on big data, customers can't apply for new loans for the time being, and they can keep them for at least three months. After three months, the situation that big data is "spent" can generally be improved.

Of course, it should be noted that the situation of "spending money" on big data has improved not because the previous lending records have been eliminated. After all, normal loan records are generally kept. However, as long as customers accumulate more good credit, new good records will gradually cover the old records.