Credit information is not good, big data is chaotic, and loans may also be made. There are many projects for loan inspection, not just credit investigation.
The key issues of the loan are whether the purpose of the loan is legal, whether it conforms to the national macro-oriented policy, whether the repayment source is reliable, and the borrower's assets and liabilities. Personal credit information is second only to these items.
Second, can big data still be loaned?
The following channels are for reference:
1. After a period of time, the historical bad credit record in online loan big data will not play its role as usual. Usually, the influence of online loan borrowers will decrease over time after they change their bad lending habits and behaviors.
2. Handling mortgage loans does not require high credit status of borrowers. If the borrower can come up with valuable collateral, it is more likely to pass the loan review and evaluation.
3. Choose loans that don't value online lending big data. At present, lending institutions have different thresholds, and some do not value users' online loan big data. But be careful when choosing. It seems that credit big data has been spent, and loans are not impossible. If the number of online loan applications is reduced to no more than 2 times per week, online loan big data will generally be at a normal level after three months. At that time, it is enough to observe whether the online loan big data returns to the normal score. Wechat search: Fu Rui data. Click Query to view your online loan data report, online loan application record, online loan overdue details, online loan black index score, hit risk warning and other data reports. Among them, you can judge whether you are a black household by the score of the network black index. Hit risk early warning can better help users find their own shortcomings and improve the approval rate of online loans. There are still relatively few platforms that don't look at online lending big data. Many platforms will use the borrower's online loan big data as a reference standard. Even if a platform is willing to lend you money without looking at your big data, you should be prepared to be charged a high fee, because the interest of this low-threshold platform is definitely high, and you may encounter various kinds of loans.
I spent my credit investigation, but it didn't expire. Online loans are rejected every second, and the data is chaotic. Where can I borrow 20 thousand yuan for emergency use? what can I do?
If you apply for a loan, you can't get through. Now, if you need 20,000 yuan, you can contact your family, relatives, colleagues, friends and so on. See if they're
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The importance of personal credit reporting nowadays is needless to say.
It has long been not limited to the important reference of bank lending credit cards, but has become a comprehensive identity certificate of personal credit. The loan is difficult to succeed. So, where is the loan?
0 1, and the credit information is even three times and six times.
The term "three consecutive times and six consecutive times" refers to three consecutive months overdue, and there are always more than six overdue records in two years. Generally speaking, if you refinance, the chances of success are very small. After all, overdue once or twice may be a probability problem in the eyes of banks, but if it happens so many times, the big probability is an attitude problem.
02. Too many credit inquiries.
Perhaps most people have a bad understanding of credit reporting because of overdue and bad debts, which have seriously damaged the interests of banks. But this is a letter? Not exactly. In fact, credit investigation is not only used to record overdue behavior, but also used by banks.
If the lender's credit information is inquired many times in a year, it actually means that the lender has great risks, because this is also the reason why he is eager to find a way to fill it.
So after six times, it is recommended not to apply for a loan again, because there is a high probability that it will not pass.
03. Credit card overdraft
The impact of this point is actually relatively small, but I still have to mention it. Generally speaking, there are no clear rules for credit card consumption. If it is normal consumption, there will be no problem. However, if 80% of the credit card limit is swiped frequently, it will be blacked out by banks or the whole banking industry, which will directly affect its future.
04. A large amount of arrears has not been settled.
If you still owe a lot in your name, it is difficult to apply for credit cards and loans at this time. Why is this? Because the arrears in your name have taken up your personal credit line.
When lending credit cards, banks should not only refer to personal credit records, but also judge whether you have the ability to repay more money according to the applicant's current economic situation, income and total credit under his name. Therefore, this is the reason why it is not recommended to apply again, although your credit is fine.
05. expired
If there is still an overdue payment in your name, it is impossible to apply for a credit card loan at this time. Put yourself in others' shoes. We often say, "It's not difficult to borrow again after borrowing and paying back." If someone lends you a sum of money and hasn't paid it back, will you lend him money on this basis? However, most people are not stupid enough to hit it. Moreover, even if the repayment is overdue, it will take some time.
06. There are too many online loans under your name.
In fact, this situation is similar to the reason of 4. If there are many small online loans under your name, the bank will not only think that you are a person without self-discipline, but also question your financial ability and repayment ability because of your current amount of debt, thus rejecting your application. Seeing this, some people may ask: Why can't you apply for these situations? In fact, it is not impossible to apply, but in these cases, if you apply for a loan again, most of them may be rejected. Rejection is not a big deal, but it is also a hassle. One application is a query record, and many applications are multiple. In this way, the chances of successful application are far away. ......
Therefore, when there is a bad record in credit reporting, the most urgent thing we should do is to improve the credit reporting first! When the credit information gets better, everything else will be easy!
4. Can I apply for a loan if my credit is less than 90 days overdue?
First, there are many platforms for querying personal online loan big data.
But most of them are expensive and the data are not comprehensive enough.
Second, online hacking, people who generally don't pay back on time, or users who have bad behavior, can easily be included in online hacking to judge whether they are online hacking. Wechat: Kingfisher data, you can check it. You can also look at your credit score, contact blacklist and so on.
Third, after being blacklisted, loan applications are easily rejected and need to be handled in time.
The most obvious impact of big data hackers is that applying for a loan is easy to be rejected, even if it is applied, the amount is not high.
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