Online loan big data will be automatically cleaned up every three months. As long as users repay their debts on time or pay off their overdue debts in time, the normal repayment records and overdue records will be cleared once every three months.
Second, the specific analysis
If the overdue debt is not paid off, the normal repayment record will be cleared every three months, and the overdue record will be kept in the online loan big data. As long as there are no long-term loans caused by overdue records and frequent applications in the user's online loan big data, then the user's online loan big data is good and will not affect the user's subsequent application for online loans.
Be careful not to trust some people who claim to help you clean up big data. Online loan big data can only be optimized and no one can clean it up.
But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: Xiaoqi Credit Information can inquire about your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.
3. How to handle the collection call when the online loan is overdue?
Overdue calls from online loans can be handled in the following ways.
1, keep your mobile phone open and answer it at any time.
Never refuse to answer the phone when the online loan is overdue, otherwise it will be considered as malicious overdue by the online loan platform, which will increase the frequency of incoming calls and may even take other collection measures, such as door-to-door and prosecution. Unless the other party calls at night, midnight, early morning and other abnormal times, the borrower can not answer, because this is a violent collection.
2. Record the whole call.
From the connection to the end of the call, we must record the whole process, mainly to protect our rights and interests. It is one thing that online loans are overdue, but it does not mean that online lending platforms can take violent collection actions against borrowers, such as verbal insults and slanders on the phone. In this case, complaints can be made on the basis of recording.
3. Confirm the identity of the caller
After the call is connected, you have to confirm the identity of the other party. For example, for the collection personnel arranged by the online loan platform, you must ask the other party to report which collection company and job number. If the other party refuses to tell the truth, you can just hang up. Only after the other party informs can the next communication and dialogue be carried out to avoid fraudulent collection.
4 explain the reasons for overdue non-malicious arrears.
Many borrowers still don't have enough money to repay when they receive a phone call after the online loan is overdue. They can truthfully explain their situation on the phone, such as being ill in hospital or unemployed, and having no money to repay due to major family changes. The key is to make it clear that they didn't pay back on purpose and show that they have enough evidence to prove that they are not maliciously overdue.
5. Explain the economic situation and indicate the willingness to repay.
Borrowers should also explain their financial situation, such as monthly salary, and then put forward their own repayment plans, such as how much they can repay with their own income and how long they can repay at the latest, so as to show their willingness and ability to repay.
6. It is proposed that the online lending platform suspend collection.
The borrower can also declare on the phone that he can't repay all the arrears at present, hoping that the loan platform can suspend the collection and give himself a buffer time to deal with the arrears. Otherwise, it won't help if there is still no money to pay back how much money has been collected.