I. Recording time of credit report
The general online lending platform will focus on the borrower's credit information in the last two years.
Second, the credit report printing time
The printing time of the credit report is also the focus of the risk control meeting. The general online lending platform requires borrowers to provide the latest credit report, which can not exceed one week at the longest. Because if the credit report is printed for too long, the latest credit records may not be known, and the credit report may be inaccurate.
Third, personal basic information
Personal basic information will record personal name, education background, date of birth, age, home address, contact information, marital status, work unit and telephone number, education background, spouse information and so on. The online lending platform will check this information with the loan application form to see if there is any discrepancy or false information.
Fourth, the loan record.
The loan record is the loan record that the borrower has had in the past, including personal loans such as mortgage, car loan, business loan and loans guaranteed for others.
The audit of loan records focuses on several aspects: first, lending institutions; The second is the total amount of loans; Third, the types of loans; Fourth, how many loans have not been repaid; Fifth, the amount of loans to be repaid each month; Sixth, the situation in loans overdue.
If the borrower's current loan balance is greater than the borrower's income and asset value, or the overdue times are more, the loan approval will be greatly affected.
Verb (abbreviation for verb) credit card record
Credit card records mainly examine the current credit card holdings, total credit card overdrafts and overdue credit cards.
Like loans, if borrowers apply for too many credit cards, the overdraft limit is relatively high, or the overdue times are relatively high, loans will also have a greater impact.
Six, open * * * records
Public records mainly record the borrower's social security payment and some social behaviors.
From the social security payment records, we can infer the current working situation of the loan and the basic salary income of the borrower.
As for social behavior records, there may be many records, such as court execution records, tax arrears records, mobile phone arrears, administrative penalties, evasion of tickets, running red lights and so on. Among them, the execution record has the greatest influence on the loan. If the borrower is executed, the loan will be difficult to pass.
Seven, query records
The inquiry record will record every time you inquire about the credit information, including the borrower's initiative inquiry, the credit institution's loan approval inquiry, the credit card approval inquiry, the lending institution's post-loan management inquiry, and the relevant department's telephone inquiry.
Many borrowers may find this inquiry record nothing. In fact, too many inquiry records will also affect the approval of loans. If the borrower frequently inquires about the credit information, it means that the borrower has frequently borrowed recently, and the credit institution will think that the borrower is short of money, so it will carefully consider the approval of the loan.
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