Credit big data spent how to remedy the following points of advice:
1, on time to repay the debt
The most fundamental measure is to make repayments in a timely manner, if there are still overdue payments in the online lending platform, but also in a timely manner to make up for the payment. In the process of repayment can be a positive attitude with the platform to communicate with the online credit record or credit data deletion and other issues, if you can remove the record that of course the best, if not, do not be discouraged, we can also use other measures to optimize the credit data.
2, reduce the frequency of application
When a borrower submits a loan application to an online lending platform, the platform is able to query the borrower's relevant information and credit history, and the platform will also leave a query record in the big data. If the borrower applies for a loan too many times, the platform found out that the borrower's name has the query record of many institutions, it will be suspicious of whether the borrower is a multiple borrower, not only is it a refusal of loans, but also affects the user's credit status. Therefore, it is best for borrowers to keep the frequency of applying for loans to no more than 3 times a week and no more than 10 times a month. By applying for a loan at such a frequency, the borrower's credit profile in big data will improve more significantly after a year.
3, protect personal information
With the rise of online lending platforms, more and more unscrupulous organizations are posing as formal platforms to conduct credit transactions and steal relevant information about the borrower, who is often unable to distinguish the authenticity of the platform, resulting in the disclosure of identity information.
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