1, online lending has three consecutive cumulative 6 times of online lending overdue situation, online lending big data may be pulled into the blacklist of online lending by the institution, resulting in bad online lending big data;

2, the number of applications is too many, online lending big data in the records of many times inquired by other institutions, resulting in big data overflowing;

3, the user's cell phone number and identity information has a multiple borrowing and lending phenomenon, like all these cases will lead to bad big data, the specifics can be queried in the Alipay Endeavor data.