The following are related to black accounts, which can be selected according to the borrower's own conditions:

1. Private lending. In this case, the loan company may let the borrower If the borrower provides more proof of repayment ability, the pre-loan review will be more stringent. At the same time, if a black account applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount, depending on the situation

2. If the black account wants to apply for a loan, you can try Applying for a loan from a bank through a local loan company is one of the channels for black households to apply for a loan.

3. Find a loan company. Loan companies usually don't value an individual's credit, but rather the collateral. If the borrower obtains a loan through a loan company and can provide collateral, it will be easier to obtain funds.

1. At present, many Internet loan platforms have introduced credit scoring systems. Many online loan platforms have implemented blacklist data exchange and share borrower loan records with other loan platforms. These platforms will designate people who are seriously overdue or even refuse to repay their online loans as Internet hackers, and will unite all online loan platforms to block them. After being listed on the online lending blacklist, loans on online lending platforms will basically be rejected. You can try to get your own online loan big data report on data query platforms such as WeChat: "Deep Data" to analyze your credit situation. If it is found that the big data of online loans has been hacked and you want to restore the big data to normal, it is recommended not to apply for any more loans within six months.

2. What impact does the blacklist have on your children?

The blacklist only affects you and your spouse, and has no impact on other people. Children can still get loans from banks as long as their personal credit is good. However, if the minor children need to be raised by their parents, and the parents are on the blacklist, it will naturally have more or less indirect effects on the children, such as restricting their children from attending high-fee private schools; not being able to fly, which means they cannot take their children to Traveling further afield or abroad; you cannot buy some insurance products for your children