A bad credit, big data mess can do loans

Bad credit, big data mess, may also do loans. Loan examination of many matters, not but the examination of credit one.

The key matters of the loan is whether the use of the loan is legal and in line with the national macro-oriented policies, as well as whether the source of repayment is reliable, the borrower's assets and liabilities. Personal credit is secondary to these items.

Two, big data spent can still be a loan?

The following ways for reference:

1, after a period of time to apply for an online loan online loan big data inside the history of bad credit history, will not work as always, usually, in the online loan borrowers to change the bad borrowing habits and behaviors, its influence will diminish with the growth of time.

2, for mortgage loans mortgage loans to the borrower's credit status requirements are lower, the borrower can show valuable collateral, it is more likely to pass the loan audit assessment.

3, choose not to look at the online loan big data flower of the loan Nowadays, the lending institutions have different thresholds, there are some do not look at the user's online loan big data. But you should be careful when choosing. Credit big data spent, it seems to let the wind control, is not absolutely impossible to do loans. If you reduce the number of applications for online loans to the level of no more than 2 times a week, three months after the online loan big data is generally at a normal level, and then observe whether the online loan big data has recovered the normal score can be. WeChat lookup: Fury data. Click on the query, you can see their own online loan data report, online loan application records, online loan overdue details, net black index score, hit risk tips and other data reports. Among them, you can rely on the net black index score to determine whether you are black. And the hit risk tips can better help users find their own shortcomings and improve the online loan audit pass rate. The platforms that don't look at the big data of online lending are still relatively few, and many platforms will take the borrower's big data of online lending as a reference standard. Even if there is a platform willing not to look at your big data lending to you, you have to be ready to be charged high fees, because this kind of low threshold platform interest is certainly very high, and there is the possibility of encountering a variety of loans.

Three, I credit spent, no overdue, online loan second refusal, data messed up want to loan 20,000 dollars there can borrow urgently, what is the way

If the levy pieces, you then apply for a loan, but also can not be passed, and now you need 20,000 dollars if you can contact your family relatives, unit colleagues, friends and so on, to see if they Yes

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Today, the importance of personal credit must have gone without saying.

It has long been not limited to the bank lending credit card loans an important reference, but has become a personal credit a comprehensive identity credentials people loans are difficult to succeed, then, appear which loans?

01, credit even three six

Personal credit "even three six" refers to three consecutive months of late, and two years of total **** more than six times the late record. Generally speaking, if you go back to the loan, the chances of success are minimal. After all, one or two late in the bank to see, may also be the probability of the problem, but if there are so many times, the probability is that the attitude problem

02, credit inquiry too many times

Maybe the majority of the people for the credit bad understanding, are the emergence of a late, bad debt, and other serious damage to the interests of the bank's behavior. But that's not the way it works, is it? The fact is that it's not all about the credit. Credit is not just a text used to record late behavior, it is also used by the bank

If the lender's credit has been queried many times in a year, it means that the lender has a lot of risk for the bank, because of the positive, so it will be anxious to find a way to fill in.

So, after 6 times, it is also recommended not to apply for a loan again, because the probability is that it will not be passed.

03, credit card overdraft

The impact of this point is actually relatively small, but we still want to mention it. In general, the credit card quota consumption is no clear rules, if it is a normal consumption, there is no problem, but if often an order to brush off the card 80% of the quota, it is still to be added will be the focus of the bank's monitoring by the bank or the entire banking industry to pull the plug, but also a direct impact on their own later

04, large arrears are not settled

If your name there is still a If you have a large amount of money outstanding, then this time to apply for credit cards and loans, it is very difficult to succeed. Why is this? Because the outstanding amount in your name has already taken up your personal credit limit.

Banks lending out credit cards don't just refer to a person's credit history, they also look at the applicant's current financial situation, their income and the total credit limit in their current name to also determine whether or not you're still able to pay back any more money. So that's why it's not recommended to apply again even though you have no credit problems.

05, late

If you currently have an overdue payment in your name, you won't be able to apply for a credit card loan at this time. Think about it differently. We often say, "It's not hard to borrow again when you've borrowed and paid back." If someone has borrowed a sum of money from you and hasn't paid it back, would you still lend them money on top of that? However, most people are generally not stupid enough to go bumping into it. Besides, it's going to take a while to get reprieved after you're late, even if you do pay back the money.

06, too many online loans in your name

In fact, this situation is similar to the reason for 4. If you have a lot of small online loans under your name, the bank will not only feel that you are a person without self-discipline, but also because of the amount you owe at the moment, question your financial ability and repayment ability, so as to reject your application. Seeing this, some people may wonder: why can't you go ahead and apply when these circumstances arise? In fact, it's not that you can't apply, it's just that when these situations arise and you apply for a loan, the vast majority of them will probably be rejected. Although it is not a big deal to be rejected, but it is also troublesome. Apply once is a query record, many times is more than one, so go on, the chances of success of the application is not far away ......

So the first thing we need to do when we have a bad credit record is to get good credit first! When the credit becomes good, the rest is not all at your fingertips!

Four, I credit have overdue, not more than 90 days, online credit big data flower, can not apply for loans

One, query personal online credit big data platform is very much

But most of the price is expensive, the data is not comprehensive enough.

Second, the net black, generally are not on time repayment of people, or have bad behavior of the user, are easily included in the net black, to determine whether they are net black, in the WeChat: Kingfisher data, you can view. Can also look at their own credit score oh, contact blacklist and so on.

Three, after becoming blacklisted, the application for loans is easy to be rejected, and need to be dealt with in a timely manner.

The most obvious impact of the big data black is to apply for a loan is easy to be rejected, and even if the application down, the amount is not high

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