Online loan operation process:
Step 1: Analyze the personal credit report.
1, obtain the personal credit report of China People's Bank. The core of the letter has three elements, and the following three are the most concerned about online loans.
1 Item: Are both credit cards and loans overdue in the past? What is the severity of overdue? If it is more than 90 days overdue, or it is not more than 90 days overdue, but there are many overdue times (more than 3 times), basically there will be no online loan to you.
The second item: the current total debt, credit card debt ratio (how much credit card debt is used) If the credit card limit is basically used up and the total debt amount is relatively large, the online loan will think that you are operating at full capacity and the economic repayment ability is weak. Even if funds can be allocated, the amount and rate given will not be particularly ideal.
Item 3: The number of recent credit inquiries about credit card approval and loan approval. If there are too many such inquiries, it means that you are particularly short of money recently, and online lending institutions will pay special attention.
2. Is there room for adjustment of 2.PBC credit report?
At present, the credit card balance recorded in the credit report of the People's Bank of China does not include the remaining installment principal that has not been billed. In other words, if you pay all the bills in installments, your debt reflected in the PBOC report will be very low and your debt will look better.
3. The presentation of historical overdue in PBOC credit report.
In the personal credit report, the overdue record is relatively simple. Only three pieces of information are recorded: the month that you are overdue, the month that is overdue for more than 90 days, whether it is overdue now, and so on. Only by these three items, you can't know when you are overdue, and you can't know the severity of your overdue at that time (the number of days overdue for several months is very different). In some cases, this way of recording overdue personal credit reports will be more beneficial to you; For example, suppose you have a credit card, which has not been returned for three consecutive months in the last six months, and it was only replenished in the last month; If the online loan sees your bill, it can be judged that you have not paid it back for three consecutive months, which is very serious overdue; However, if online loans can only see your credit report, it means that "three months in the past five years are overdue, which is not particularly serious in the eyes of many online loans.
Step 2: Pay attention to the details.
1, mobile phone address book
1) The purpose of obtaining the address book. The purpose of obtaining the address book is the same as that of obtaining the call record. In order to prevent the loan from being repaid, if you are in loans overdue, the online loan company will blow up all the contacts in your address book.
2) Check the address book for any suspicious places. Many people will write very clearly in the address book, or write very detailed when commenting on contacts; If you have the following keywords in your address book, you should start to pay attention to them: "online loan", "small loan", "loan intermediary", "set line" and "gambling". Use your imagination to read the address book and delete any wrong content. Another reminder, if there are some intermediary numbers in your address book, remember to delete them. The reason is the same as the telephone number of small loan companies, and many things in the industry can be easily extracted.
3) About forging the address book. Try not to consider forging the address book, because if you want to forge the address book, you must win the whole set. Some fans use their brains to make a complete set of other people's address books or completely forge a set, but often ignore the overlap between the address book and your actual call record. In other words, you have to use your head, the cost is very high, and a set of address books is secondary. The main thing is that you have to forge the call record, which was inquired by the operator, so you must be the real caller.
4) SMS. Regarding SMS, SMS messages of Android phones can be read through third-party apps; Users of Apple mobile phones don't have to worry, because the privacy protection of Apple mobile phones is very thorough, and no third party can get your short message content. Therefore, Android users are exposed to more information in front of online loans, paying special attention to the following points:
Point 1: Other SMS related to online loan application, repayment and collection. , whether fatal or not, all deleted, this is a sub-item.
The second point: For all kinds of short messages of bank credit cards, the number of credit cards given by your mailbox to online loans and the number of credit cards involved in short messages cannot be too different, so consistency is very important.
2. Mobile phone number information.
1) The purpose of online lending institutions to obtain your call records. The most important thing is that if you don't pay back the money in the future, the online loan will be used for collection. On the one hand, if you refuse to answer the phone or change your number, the online loan can call your contact person to try to get your latest contact information; At the same time, in this way, things that you owe money will spread all over your social circle and give you pressure. So don't think about it; Mobile phone call records can also be generously given away. Besides, through your phone records, you can also provide some other clues. For example, have many other online lending institutions called you recently? If so, it means that you may be anxious and short of money, which is unfavorable for online lending. For another example, have you ever contacted some financial intermediaries? Generally speaking, online loans don't like intermediaries.
2) Mobile phone real name registration system. Online lending will get your call records by logging into the online business hall of the operator. Your number must be registered in the operator's real name, otherwise the online loan cannot determine whether the number belongs to your name.
3) Leave a mobile phone number. If you are an old driver, in the long run, you can consider leaving a clean number. We will explain in detail the disadvantages of dealing with intermediaries later. Ideally, all loans should be applied for by themselves. But it doesn't matter if you have contacted the agent and left a call record. From now on, get a brand-new mobile phone number, keep it safe, and only contact relatives and friends, not loan agents. At present, mainstream online loans require reading telephone call records. So in the long run, it is necessary to keep 12 high-quality numbers.
4) About raising a trumpet. Don't consider using a trumpet. Don't try to muddle through with a trumpet. What is a trumpet? It is the number where you register various websites, contact real estate agents, receive short messages from banks and receive express delivery. The purpose of online goods to get your phone records is to get the contact information of your acquaintances. They have their own set of algorithms to see who your acquaintances are, and they can't be confused. If you submit a trumpet, naturally there won't be many people you know among them.
The third step: the savings card is flowing. 、
1. What is a meaningful savings card? Many people think their savings cards are very mobile and beautiful. Actually, it is not. Online loans look at the flow of savings cards, mainly to identify the salary part and see if you have a stable income. Only running water with the word "salary" can be recognized as income. If you have this kind of income every month in running water, and the amount is not bad (you can't get it below 2000), you can consider providing it. Savings card running water is an optional application material in most cases. If there is no stable and considerable salary, don't offer it.
2, hidden danger restore itemized water records. If there are many loan issuance and repayment deduction records of other lending institutions in the flow of the savings card you provide, these are hidden dangers of reduction, and the online lending institutions may re-evaluate your total debt. There are hidden dangers not only in tap water, but also in other aspects; Many friends estimated a high loan amount when they applied for a loan with incomplete information, but the loan amount decreased after adding some information.
Step 4: Credit card bill email.
1. Ensure the integrity of the credit card bill in the mailbox. Make sure that at least one credit card has a complete bill for the past 6 months in its mailbox. If the bill is incomplete, call the bank customer service to apply for reissue of the electronic bill.
2. Delete the card bills with overdue records. If there is an overdue credit card, you must delete all the bills of the card in the mailbox, learn to package yourself and show the perfect side to the online loan company.
3. Delete restricted messages. Online lending institutions not only scan credit card bills in mailboxes, but also have other clues with information value. There have been some cases in which the bills of other platform members have been done perfectly, but the overdue dunning notice emails of other online loans in the mailbox have not been deleted, resulting in the failure of the audit. Therefore, remember to delete any notification emails including but not limited to other online loans, online gambling sites registration, authentication, remittance, recharge, etc.
4. Pay attention to the consistency of the application process. The "you" known by online lending institutions may not be a complete "you". In a precise sense, it is the "you" you show them through email messages and so on; For example, Grandpa God of Wealth, even if you have three cards, two credit cards are seriously overdue, and one credit card is in good use, then in the information read by online lending institutions, he will think that you only have this card, and your use and credit status are good. Most online lending companies will call back and often ask some questions to verify whether the applicant is my application. At this time, your answer must be consistent with the information of "you" you showed to the online loan, so give another example. Then your answer should be that the maximum amount of a card is the amount of the card you show, unless the credit report shows it separately.
Step 5: E-commerce account information processing.
E-commerce accounts include many, such as Taobao, JD.COM and Suning. Here we mainly talk about Taobao, and others can draw inferences.
1, Alipay must have its real name. Every Taobao account will be bound with an Alipay account, which must be the common account of the borrower himself in the real-name registration system. This is beyond doubt, because one of the main reasons for online loans to read your Taobao account information is to prove that "you are you". Taobao membership level is preferably V2 or above.
2. Online shopping consumption records. Online shopping consumption records are the best proof of your spending power, and online lending institutions will evaluate your repayment ability through your spending power; Therefore, we can keep a habit in the future, and the consumption that Taobao and Alipay can pay can be paid by Alipay. Before applying for a loan, make sure that your Taobao account has more than 10- 15 real transaction records in the last three months. Recharge and virtual products are not counted, but only the consumption records of real items with express records. If not, take some time to do it. If it is running water, do not exceed 2 pens a day and 5 pens a week.
3. Bad transaction records. Many transactions will leave a bad impression on online lending institutions. Grandpa Fortune suggested that the following items are not welcome: gaming game consumption recharge, P0S machine purchase, online loan intermediary material purchase, online loan intermediary member purchase, IOU transaction in Alipay, IOU repayment record and so on. Therefore, before submitting Taobao account information, you must check your own Taobao transaction records and Alipay repayment records, and use your brains to delete all bad transaction records; Also note that when deleting again, you must delete the two-way record of Taobao+Alipay.
4. Receiving address. The delivery address should be as unique as possible. Please remember that the delivery address cannot exceed three. The commonly used delivery address must be consistent with the loan application materials, and the delivery address should be accurate to the house number. Standard format: * * District (county/town) * * Road * */No.* * Building/Floor * * Room * * Community. If there is no specific floor and house number information, at least write * * road. If there is no * *, write down the nearby landmark buildings and directions. This is also to prove the stability of your residence or work to the online lending institution.
5. phone number. The commonly used receiving phone number must be the same as your personal phone number. Maybe you have used other collection phone numbers before, it doesn't matter, but try to make the recent transaction address and phone number consistent with the information in the loan application materials.
Step 5: E-commerce account information processing. E-commerce accounts include many, such as Taobao, JD.COM and Suning. Here we mainly talk about Taobao, and others can draw inferences.
1, Alipay must have its real name. Every Taobao account will be bound with an Alipay account, which must be the common account of the borrower himself in the real-name registration system. This is beyond doubt, because one of the main reasons for online loans to read your Taobao account information is to prove that "you are you". Taobao membership level is preferably V2 or above.
2. Online shopping consumption records. Online shopping consumption records are the best proof of your spending power, and online lending institutions will evaluate your repayment ability through your spending power; Therefore, we can keep a habit in the future, and the consumption that Taobao and Alipay can pay can be paid by Alipay. Before applying for a loan, make sure that your Taobao account has more than 10- 15 real transaction records in the last three months. Recharge and virtual products are not counted, but only the consumption records of real items with express records. If not, take some time to do it. If it is running water, don't exceed 2 transactions a day and 5 transactions a week.
3. Bad transaction records. Many transactions will leave a bad impression on online lending institutions. Grandpa Fortune suggested that the following items are not welcome: gaming game consumption recharge, P0S machine purchase, online loan intermediary material purchase, online loan intermediary member purchase, IOU transaction in Alipay, IOU repayment record and so on. Therefore, before submitting Taobao account information, you must check your own Taobao transaction records and Alipay repayment records, and use your brains to delete all bad transaction records; Also note that when deleting again, you must delete the two-way record of Taobao+Alipay.
4. Receiving address. The delivery address should be as unique as possible. Please remember that the delivery address cannot exceed three. The commonly used delivery address must be consistent with the loan application materials, and the delivery address should be accurate to the house number. Standard format: * * District (county/town) * * Road * */No.* * Building/Floor * * Room * * Community. If there is no specific floor and house number information, at least write * * road. If there is no * *, write down the nearby landmark buildings and directions. This is also to prove the stability of your residence or work to the online lending institution.
5. phone number. The commonly used receiving phone number must be the same as your phone number. Maybe you have used other collection phone numbers before, it doesn't matter, but try to make the recent transaction address and phone number consistent with the information in the loan application materials.