Frequent applications for online loans can lead to a large number of loan approval records on a person's credit report, and such records are also known as hard query records. If there are too many hard query records, it will make the organization think that the user is strapped for cash, which will lead to a lack of comprehensive score. It is recommended that you stop applying for cards and loans in the short term to avoid adding new hard inquiry records to your credit report.

2, maintain good credit

At present, most of the online lending platforms have access to the credit system of the People's Bank of China, and will certainly inquire about the user's personal credit report when approving loans. If the user's credit is bad, even if there is no frequent application for online loans, there is a possibility that the arrival of borrowing is rejected. Therefore, the name of each credit account, need to maintain monthly repayments on time, for their own accumulation of good credit history.

3, reduce the debt ratio

If the user frequently applies for online loans, resulting in the existence of a number of personal unsettled online loans, and a higher debt ratio, consider the user repayment pressure, there is a greater risk of delinquency, the user's risk level in the platform will rise, which will lead to a lack of comprehensive score. Therefore, the best way is to control the debt ratio of each credit account at 50% and below, and if conditions allow, it is best to close the online loan.

4, perfect personal information

Perfect personal information helps the platform to understand the user more comprehensively, so as to make a more objective assessment. This requires the user to ensure that the information submitted is true and effective, and it is best to provide some asset information, such as houses, cars, large depository receipts, etc., which can improve the user's overall rating on the platform.

5, apply for guarantee, mortgage

If the comprehensive score is insufficient, but the case of the urgent loan, if there is a better credit status around the acquaintances, and is willing to guarantee for the user, you can go directly to the bank for loans. If there is a high-value collateral like house or car in your name, you can also apply for a mortgage loan, which has a higher loan amount and lower interest rate than online loans.