Loans for big data are messed up can be found in some P2P companies, private short demolition.

One, big data spent can still be loaned, but there will be some impact on the loan. The borrower's big data spent will produce a bad credit record in the big data, generally in those audits will query the big data blacklist of the loan platform has a certain impact, if the loan platform does not query the big data blacklist is basically no impact. The user's big data spent, you can try to apply for a bank loan, because bank loans do not refer to big data, as long as the user credit good can apply. The user is applying for a network loan, most network loans need to refer to big data, this time although you can submit a loan application, but the chances of passing the audit are not high. Big data spent can be restored, as long as the user does not apply for online loans for a long time, then the big data will only show the query record of the last 2 years, the query record is reduced, the user can apply for online loans normally. The big data spent also means that you become a net black.

Two, a lot of online lending platforms for the net black is rejected, but there are also many online lending platforms can be placed. Your big data spent, but if your credit is not spent, it is possible to apply for a loan to the bank, and now the bank loan procedures are very simple, more favorable in terms of interest rates. As long as you have a provident fund social security, home loans, car loans, you can borrow from the bank, or you have a savings card, every month the flow of water is relatively large, it is possible to loan.

Three, for online loans more big data spent customers, do the loan is mainly three ways:

1, apply for a home mortgage: for the time being, a lot of banks home mortgage light look at the query, the number of inquiries can be communicated;

2, credit application for a special batch of processing: if your own qualifications can be, income is relatively high or have a certain amount of assets, only big Data is not good query more credit flowers, then it is recommended to find a professional loan intermediary or loan assistance company to assist in bank loans, through the special approval for, of course, the premise is that you have no risk of bad debt for the bank.

3, for non-bank financial institutions of some credit products: non-bank financial institutions of credit in general, the audit is relatively loose point, is the interest rate is high, common non-bank lending institutions are: insurance companies, microfinance companies, P2P companies, pawnshops and so on.

The credit big data is messed up, want to loan how to do

One, positive answer

Internet credit big data sucks, then the near future, we should try to apply for fewer online loans, do not apply again, lack of money to use more credit cards.

Two, specific analysis

Let your cell phone number, ID card are repaired for a period of time.

After a period of time, the record of online loan information on the online loan big data will slowly return to normal.

The online loan big data includes a person's basic information, information about the cell phone number used and the time it was used, the situation of the cell phone number bound to the ID card and the time it was used, and most importantly, the details of the application for various online loans.

If you apply too many times, it will cause your cell phone number and ID card to be winded, and the online lending platforms that you apply to will feel that you are very short of money, and the number of rejections will then increase.

In Xiaoqi Xincha, get a big data report, check your overdue records, categorize your online loans, formal and informal, credit and non-credit. If you want to pay back but don't have enough money, then negotiate with the online lending platform and prioritize paying back the formal creditworthy ones to minimize the impact on you.

Three, how to repair the big data of online lending?

Because the big data is permanent, there is no way to manually operate the optimization.

If the big data is bad due to frequent loan applications, then it is recommended that you do not apply for a loan for a period of time, and it will naturally be easier to get a loan after half a year.

But the previous borrowing record still exists in the big database and cannot disappear.

If the data is bad because of delinquency, you need to pay off your debts and make your loan repayments on time to maintain good credit for a period of time.

Overall, the online loan big data is included in the personal basic information, application loan records, late records, etc. If there is a late record or in repayment, then apply for a loan again will be a little bit of trouble, and may even be rejected directly.

Can you get a car loan if your credit score is messed up

No, you can't, because the bank is looking at your big data, and you can't if your credit score is messed up. It is imperative to maintain a good credit, do not loan, after five years will be able to.