I. Can you still get a loan at a bank if your big data is spent

I. Positive Answer

The main effect of the big data spent is that the user's application for an online loan will not be able to pass the audit.

Two, specific analysis

Part of the network loan in the application does not query the user's credit report, but to query the user's network credit, big data spent is also network credit spent, this time to apply for a network loan, there is a high probability of not being able to pass the audit.

So, after the big data is spent, make sure that you don't apply for online loans for more than 3 months before this user's online credit can be restored.

Since big data spent is caused by applying for too many online loans, the problem of big data spent can be effectively solved by controlling the number of loan applications.

The number of applications is too many, worrying that their big data will lead to the future car loan home loan can not be down, you can in: Bei Tip speed check, query, the system for the debtor, the Internet loan application too many people, borrowing and lending users, as well as the platform risk control personnel to provide the most accurate information. You can quickly check a variety of big data, such as records of arrears, the number of loan applications, credit reports, etc., so that you know more about their credit status,

Three, what do you mean by big data spent?

In online lending circles, people often say that the big data is spent is that the big data of online lending is not very good.

There are two main reasons for this.

1, in the previous online loan record, did not return the loan on time and in full, resulting in a loan overdue record.

2, the frequency of applying for online loans is too high, producing a large number of online loan records. There are late records indicate that the borrower's credit is not good, the number of applications is too high indicates that the borrower is extremely dependent on online lending, which will make the platform suspect the borrower's ability to repay. As a result, it is difficult for friends who have spent their big data to apply for a new online loan.

Two, credit big data spent, want to loan

You actively think of ways to make up for it, as soon as possible to pay off the arrears, to maintain good credit, 5 years after the bad record will be automatically eliminated, you can then loan. Loans are risky, it is recommended that the best choice of banks and formal institutions for the process, do not believe that private be cheated.

Additionally reintroduce what to do after the loan is overdue? I hope this can help you, thank you!

1. short time overdue if only one time to pay off the arrears and contact the bank to explain the situation. Will immediately show up on top of the credit report. Some banks have a few days of tolerance for credit card repayment, and some banks will not report the overdue record until the next month's billing date to the central bank credit system. So if you are late, you should contact your bank at the first opportunity to get rid of it before the bank reports the data. If the bank has been reported to the central bank, you can ask the bank to issue a non-malicious to this application for loans is also not affected.

2. Late more than 90 days this is considered a more serious overdue, the user in addition to timely repayment of arrears, but also in the subsequent years to ensure good credit habits, in order to let the newly generated good records to cover the previous bad records. According to the central bank's regulations, the bad record in the credit report will be kept for 5 fruits is a credit card overdue for 90 days, never use the card, and keep good above. Generally speaking, in addition to the more stringent requirements of the mortgage, other loan products only look at the last two

3. Accidentally late if traveling or other reasons to engage in explaining the situation. If the borrower is indeed due to some reason accidentally caused by the late, the bank may also be open to the net for you to issue a non-malicious late certificate. This is the equivalent of getting a get-out-of-jail-free card. If the bank is the reason for the cause and so on, more can directly ask the bank to solve the trouble.

4. If you are late because the credit bureau entered the data incorrectly, resulting in being late. Or because of personal identity is fraudulent, and inexplicably back on the loan or bad credit, in addition to the bank can be reported to explain the situation, but also to the credit agency should be objected to after a few working days late bad record can be eliminated. To summarize, the credit collection flowers positive remedies. Strive to minimize the impact of the late record, or even eliminate the late record, so as not to affect the future application for loans.

Three, I name credit on the consumer loans, shadow does not affect the mortgage approval?

Will having a consumer loan on my credit card affect my home loan approval?

In the current financial regulatory environment, as well as the data presented around the world, there are going to be consumer loans on the credit card will affect the approval of the mortgage. But it does not mean that there are consumer loans on the credit card, the mortgage will be 100% audit failed.

First of all, mortgage policies vary from city to city, bank to bank, and person to person. Each city's banking bureau policy is different, the bank's requirements are different, as well as your actual situation is different, will lead to different results, so it is still recommended that the subject to the banks to go to the field to ask the field to counseling, will have an accurate answer.

Of course, if it really affects the mortgage, it doesn't matter. Bank staff will usually let you pay off your consumer loan before submitting your information for approval.

I'm an RFP U.S. Certified Financial Planner with 8 years of real estate investment and financing experience, and I've operated 23 properties with zero down payment in 8 years, so if you agree with me, feel free to pay attention and like me.

If you want to know about buying a house with zero down payment, how to buy a house that is 100-200,000 dollars below the market price, how to cut the price with the seller to make the seller reduce the price by more than 100,000 dollars, how to pay less tax, how to quickly finance and other issues, welcome to write to me privately, thank you for your support!

Four, credit big data spent, want to loan

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