Insufficient credit score was rejected by seconds? The platform won't tell you the real reason for refusing the loan.

Some borrowers are also very sad, talking about their mental journey of borrowing money. The online lending platform needs to fill in the application information and fill it in immediately. Identity card authentication, personal face authentication, operator authentication and sesame sub-authentication are all complete for the platform.

As a result, I finally refused after filling in the information. Many borrowers will have questions: "Is the platform information fraud?"

0 1

Why did you refuse?

Many people will ask why they are always rejected by seconds. Once submitted, it was rejected. Has this information really been read and censored? It is doubtful that this is a lie.

Actually, no, the shopkeeper will tell you why. When rejected, the platform will usually tell you "unqualified qualifications" and "insufficient credit scores", and will not tell you the specific reasons for rejection.

Insufficient credit score was rejected by seconds? The platform won't tell you the real reason for refusing the loan.

In fact, in addition to your qualifications, the platform also has its own "invisible conditions." These "invisible conditions" have ruled out your system before reviewing your qualifications.

Let's see what the "invisibility condition" is.

1 The platform intends to screen people.

Some platforms have specific access conditions and will screen people according to their own standards. For example, you will be required to have credit card, mortgage, provident fund and other information. These standard platforms will not be made public, but if you fill in "None", the system will reject you appropriately and you will not be able to review them.

Similarly, the sesame score and salary level are not up to standard, and even the audit is really unnecessary. You can brush off the system.

2 The number of applications exceeds the average level of the platform.

Some platforms are limited in scope, which is different from the loanable amount for external publicity. For example, you can apply for a quota of 50,000 for publicity, but the actual average quota of the platform is controlled at around 20,000. If the amount you apply for is high and above the average, you are likely to be rejected.

3 the application amount does not match the income

For example, if your income is around 5,000, but the amount you apply for exceeds 65,438+10,000, you are likely to be rejected directly.

Four credit white families

If you have never borrowed money online, and it is a blank account in the credit field, you will generally refuse it every second, so you'd better get a credit card first, spend several times, and the repayment situation is good, so that the platform can know your credit degree.

5 Incomplete information

Some people apply for online loans, and the information is obviously incomplete. Is it possible to succeed without being serious?

There is also information fraud. Once the online lending platform finds information fraud, it basically enters the blacklist of the platform, which is definitely a second refusal.

Therefore, whenever your loan application is rejected, don't think that the platform is cheating information. All the above reasons may lead to being brushed off before the audit. No loan pass rate is 100%, and it is normal for a loan to be rejected.

02

What does it mean that the online lending platform is cheating information?

Many borrowers who are eager to use money often don't consider whether the online lending platform they apply for is formal. I watched them apply at random with slogans such as "interest-free loan", "as long as the loan is repaid immediately" and "not qualified", but they were rejected and all the information was given to others.

Think about what qualifications you don't need. Which platform that can really make the next payment is willing to take this risk? So the threshold is ridiculously low, unbelievable.

What can these bad platforms do with your information?

Some illegal platforms, obviously not eligible for loans, lure borrowers to fill in information to apply for loans, in fact, just to defraud personal information, and then they are illegally sold by these platforms for profit.

Some people may just have their mobile phone numbers leaked, while others may have their personal information sold. Obviously, he was "loaned" without applying for a loan, and there was a bad record of overdue.

Faced with such problems, they are all on some illegal platforms. Most online lending platforms hope that users will always borrow money from them, and it is impossible to disclose information to other lending platforms.

03

What does the platform do with information?

Why does the platform want so much information from you?

First, the information is complete and the credit is high.

Most formal platforms require borrowers to issue ID cards, mobile phone numbers, work information, credit cards or sesame seeds. These are the basis of platform audit, and you can judge your credibility from these materials.

Second, for safety reasons, reduce platform risks.

Before, a borrower asked the shopkeeper why he wanted to identify the address book.

Side check of loan eligibility

Whether there are multiple collection calls;

Whether there are loan sensitive words (poison, gambling, debt);

Check whether there is a long-term loan.

Whether there are links with other lending platforms in the address book and SMS records;

Is the contact abnormal?

Whether the borrower has regular contact with the people in the address book;

How many calls are made every month;

Verification and post-loan management

In case the borrower does not pay back the money, the platform can also find people around you through the address book;

In order to urge borrowers to repay on time;

The information you need to fill in on the formal platform is the normal loan demand. Whether you can borrow it successfully or not, the information you provide will be kept confidential, and only informal platforms will sell your information.

In short, borrowers should never talk privately about your intermediary and informal website loans, and don't use WeChat or QQ to trade loans privately, so that you have screened out 90% of bad online loans that defraud information!

Do you have any questions about the process of applying for online loans? You can leave a message to consult the shopkeeper!

I applied for a lot of online loans this month, but they were all rejected. Will it affect my credit information?

Applying for too many online loans may affect credit reporting.

1, which may affect credit.

If there are overdue records, or there are many debts at present, the general online loan will refuse to pass your loan application. When your first application is rejected, frequent applications will lead to changes in credit information. Frequent applications will be recorded in the credit report, and the general lending platform will review the applicant's credit. Frequent applications will make other lending platforms think that your current assets are problematic.

Step 2 apply for a loan

Every time you apply for a loan, there will be one more credit inquiry. Too many times of credit inquiry will reflect that the inquirer's potential debt pressure is greater and the potential risk is higher. Moreover, official website, the Credit Information Center of the Central Bank, also showed that if the credit information report was inquired by different banks for many times due to loans, credit card approval and other reasons in a short period of time, but the records in the report showed that no new loans or credit cards were obtained during this period, it may indicate that the information subject applied for loans or credit cards from many banks but failed, and such information may have an adverse impact on subsequent related applications. Therefore, when you can't apply for online loans many times, you have to stop lending again.

：

1, credit history

Credit records will not disappear with the settlement of loans, but will be kept for five years, but generally speaking, banks or other financial institutions pay more attention to the loan records of the past six months to one year, so it is recommended that the main body maintain a good credit record during this period. Repay on time and stop borrowing frequently. Credit information is an important basis for financial institutions to review lenders' performance ability. Therefore, if you repay the loan on time, your credit record may also become your "positive information". Those with repayment ability can appropriately increase their credit records.

2. Personal credit information

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

What's wrong with applying for a loan? It's basically because of them!

; ? Many friends were rejected by financial institutions when applying for price-increasing loans, and their hearts were hit hard. These friends must be curious to know what happened when they applied for a loan. Let's introduce the relevant content for everyone. Friends who want to know what is going on when applying for a loan can have a look.

What happened when the second loan application was rejected?

1, which is not within the service scope of financial institutions. Generally speaking, financial institutions have restrictions on the age of lenders, and often require lenders to be between 18-60 years old. For online loans and small loans, many loan platforms require borrowers to be between 18-40 years old.

There are many credit agencies in the market now, and everyone's credit is recorded. If the borrower is a credit loan user or an online loan user, then the loan will inevitably be rejected.

3. The personal information provided by everyone is incomplete or abnormal, such as the applicant's ID card is not my ID card or the provided ID card is expired.

4. When applying for a loan on the online lending platform, the online lending platform will give the borrower a loan amount in advance. It is normal for everyone to refuse to apply for a loan if the loan amount applied for exceeds their available amount.

What should I do if I refuse to apply for a loan?

2. Before choosing a lending institution, carefully understand the application conditions and required information of the lending institution to see if you can meet all the conditions. I suggest that you try to choose a lending institution with a low threshold to improve the possibility of loan approval.

3. Check your personal information carefully to make sure there are no mistakes or omissions. Remind everyone to use my real-name authentication ID card, bank card and mobile phone number.