Applying for online loans requires a mobile phone service password, mainly for the following reasons:

1. Check the address book: the operator's online business hall needs the mobile phone number and service password to complete the login. After obtaining the service password, the online loan company can check the communication record of the mobile phone number, so that the online loan company can verify the authenticity of the contacts in the address book.

2. Judging repayment ability: The telephone bill and payment can judge the borrower's repayment ability. Although it is not necessarily accurate, it is also one of the risk control measures of online lending companies.

3. Make the collection more effective: Although most online loans need authorization to read the address book, online loan companies cannot tell which phone number in the address book is closest to the borrower. After using the mobile phone service password to check the call records, once the online loan is overdue, the online loan company will dial the number that is often contacted with the borrower at the first time, which can make the collection more efficient.

Extended data:

Precautions for online lending:

1, the mobile phone number must be real name: it must be authenticated by my real name. If you don't have a real name, you'd better handle it in real-name registration system.

2. There is no abnormal information in the address book: I often receive various advertising information. Sometimes these advertisements are really helpful. I will keep them for comments, such as "loans", "lenders" and "loan intermediaries".

However, in the view of the loan company, these materials are itemized, and they will feel particularly short of money, which will lead to a decrease in the approval rate. Therefore, when filling in the mobile phone number, you can use these keywords in the address book to deal with contacts to avoid unnecessary misunderstandings.

3. Users of Android phones should pay attention to checking SMS: SMS of Android phones can be read by third parties, while SMS of Apple phones is completely privacy-protected, and no third party can read SMS. Therefore, Android mobile phone users are exposed to more information in front of online loans, paying special attention to the following information:

First, other loan text messages, repayment reminders, collection, etc. , all belong to the restore item.

The second is all kinds of short messages from bank credit cards. The number of credit cards given to online loans in the mailbox must not be too different from the number of credit cards involved in the SMS.

2. Is the collection the phone bill before my loan is exploded?

Collect the explosion of your pre-loan phone records, even a long time phone records! These companies are very powerful. They can dig up all your phone records and make endless calls to your friends and relatives without a bottom line. No time and no limit! It doesn't have to be when. It's just that constant quarrels make your friends and relatives bored to death and keep all your friends away from you. They can only blacklist the phone! So be sure to pay attention

Third, why do online loans need operator certification?

The main purpose of operator certification is to collect your call records in the last six months, and there is a call list containing the phone number of the other party. Maybe you will ask: Isn't app authorized to view call records and address books? We know that we will call relatives and friends when online loans are used to collect debts. Maybe you think they just call the number you submitted, and then you forge your address book and phone records. When the phone records they collected don't match the phone records they found, you can't even pass the preliminary examination, and they will think you are dishonest or have anti-debt collection consciousness.

When they collect your address book and the operator's call list, they will import it into the database of the online loan company, and then each number will be labeled 1 or more. For example, if you notice that a number is "Dad", your father's friends have also used this app or used an app under the boss to collect your father's name. Then, through technology, a more complex relationship network can be realized than that mentioned in Hugh's intergenerational marriage video.

When you are in debt, you can chase you through the number collected by the operator. Maybe you don't care when the phone catches up with you, but it will catch up with those numbers related to your relatives. If you haven't returned it, you can catch up with your father's friend, and then your father's friend will ask your father, "Lao Wang!" Does your son owe money and not pay it back? " Or more negatively, "look, that man's son owes someone 2000 yuan and doesn't pay it back, and the phone has come to me." Don't look at him He is actually an old fool! " It's not just about dad.

To sum up, online loan operator certification is debt collection!

Of course, if the whole village is talking, forget it.

The following is a screenshot of the mobile phone call list.