Big data is spent, you just can't get an online loan. You can go to the bank to get a loan ah, as long as your credit is not a problem, usually the bank will lend money.
"Want to check their own personal credit is very simple, only two steps can be queried.
1, open the browser, search for the People's Bank of China Credit Center, register and log in to verify the question, patiently wait 24 hours for the verification code to be issued, enter the verification code can query their own simple version of the credit, can only query the simple version.
2, if you think the first way of trouble, then the second way is relatively simple and convenient. You can search through WeChat: early knowledge of the data, to query, enter the information can query to their credit data, the data from the national online lending platform and the CUP center, the user can query their own big data and credit, you can get all kinds of index data, query to their personal credit situation, blacklist situation, online loan application records, application platform type, whether overdue, overdue amount, whether there is a arbitration cases, defaulter information and other important data information.
Compared with the central bank's personal credit report, the atmosphere of the personal credit record is more extensive, and the organizations that issue it are more diversified, all of which are part of the personal credit record, and overall it is more similar to what the Internet says is big data credit, which is a useful supplement to the traditional personal credit report."
Credit big data messed up can do car loansCan not, because the bank is to look at your big data, you credit messed up certainly can not. It is imperative to maintain a good credit, do not loan, after five years will be able to.
Internet loan big data spent, no overdue, urgent need for money, can still loan.Can you get a loan, but the pass rate is not high.
No overdue, but because of the frequent borrowing too much caused by the big data to become "flower" if you can only temporarily keep three to six months time not to apply for new credit products, so as not to continue to increase the new borrowing record, so that the big data to become more "flower". "
And the other thing is, it's not a big deal.
And during this period, we should also remember to repay the outstanding credit products under our name on time, to avoid overdue situation (because once the repayment is overdue, it will lead to the record of overdue bad records on the big data, which will then lead to more serious adverse consequences). It's best to pay off all your debts, or as much as you can, in order to reduce your personal debt ratio.
The big data on online lending can reflect the real situation of online lending. If you have taken out too many loans, it's a good idea to get to know your credit data. Find the small program: Xiaotian Quick Check, which can generate a big data report. Although there is a difference between the two, but bank loans in order to avoid the emergence of personal inability to repay the bad debt, will also pay attention to the big data credit situation, bad credit will affect the right of many aspects.
So wait three to six months past, big data over the "flower" situation can be improved, personal debt ratio can also be reduced, and the customer after the application for credit products will be more smoothly. Of course, after that, you should not apply for too much in a short period of time, lest the big data become "spent" again.
Expanded information:
Big data spent on car loans?
Big data is network credit, network credit belongs to the private credit, and the user applies for a car loan, the query is the credit of the People's Bank of China, so big data spent will not affect the user to apply for a car loan. However, there are part of the network loan borrowing record both on the network credit, and on the credit of the People's Bank of China, this part of the network loan users are required to repay on time.
As long as the user's pedestrian credit is not a problem, then the results of the car loan audit will not be affected by the credit, as to whether it can pass the audit, subject to the final results.
No, I'm not sure if it's a good idea, but I think it's a good idea for us to have a good time, and I think it's a good idea for us to have a good time, and I think it's a good idea for us to have a good time, and I think it's a good idea for us to have a good time.
In fact, most of the online loans are not connected to the central bank credit system, so they are usually only recorded in the big data, and credit has little to do with the customer to go to the bank or car finance company for the car loan, the bank (car finance company) and the main review of the customer's credit situation. Then as long as the customer credit is good, age and other aspects of the loan conditions also meet the requirements, with the ability to repay the loan on time, generally can successfully run the car loan.
But we also need to pay attention to, there are some online lending platforms and their lenders also access to the central bank credit system, that in such platforms to do online lending, more than half of them will also be recorded in the credit some online lending will be checking the credit, if borrowed online lending more often than not, the online lending platform will be borrowed once to check a time; when the home loan, the bank will also query the credit, a look at the applicant so much online lending application records; the approval of the people must be thinking, this person will not be the same as the one who is not the same as the other. The person who approves the application must think, this person is how short of money ah? Borrowing so many online loans, the mortgage can be paid? One look and you'll know that the economy is tight and spendthrift, PASS away! This kind of online loan is not necessarily on the credit, but frequent credit check, but certainly the impact is also very big.
If a customer applies for too many online loans, even if there is no overdue, no bad credit record on the credit, but also because of the application record is too much and lead to credit "flower", and even the case of multiple borrowing, which affects the approval of the car loan after. Because the bank (car finance company) in the review of credit found that the customer borrowing record is too much, will be worried about their financial life is not stable, the ability to repay the loan is not enough. If you apply for a lot of online loans or a large amount of money, the bank will think that your down payment is from an online loan if it is on your credit score, so you will definitely not be approved and disbursed the money! The online loan is not overdue, but it is not settled either, which will give the bank the illusion that your financial resources are mainly through the online loan. Think about it, someone to borrow money from you, although no one forced him to repay the debt, but you know he owes a lot of money, or borrowed a lot of people's money, if it is you, you will still borrow? I believe that you will not borrow, right? Banks are even more so, the requirements of the wind control is more stringent. So don't think that online loans are not overdue, there is nothing wrong! Before there is a late behavior, although settled, but the credit of the loss of credit record will be retained for five years, so within five years will also affect the approval of the loan has borrowing behavior, and the amount is small; for example, you are to buy a million house people, but usually borrow online loans are a few thousand a few thousand borrowing, to the bank's impression is that the small amount of money are borrowed, the economic situation is certainly not good!