What should I do if the loan reservation number is changed?

Friends who have applied for a loan know that when applying for a loan, the lending institution will not only ask the borrower to provide personal identity information, work information, and financial information, but also ask the borrower to provide a mobile phone number.

Especially when handling online loan business, the necessary condition for borrowing from some lending institutions is that the mobile phone number needs to be used for more than half a year. It can be seen that the mobile phone number also plays a very important role when handling loan business, so Can I change my mobile phone number for a loan? How do I change my mobile phone number for a loan?

Recently, some netizens said that if your personal credit status is not good and your loan is rejected, you can change your mobile phone number and apply for a loan again. This will make it easier to pass the loan review. Many people have some doubts about this statement. doubt.

If you are rejected when applying for a loan, you can change your mobile phone number and apply again. However, changing your mobile phone number will not have a direct impact on the loan approval, because although our mobile phone number can reflect our Some daily habits.

However, since the mobile phone number is authenticated by real name, the user with the mobile phone number has not changed, and our personal credit status has not changed, so no matter how the mobile phone number changes, it will not have an impact on the loan.

What should I do if I change my number?

When applying for a loan, the reason why the lending institution requires the borrower to leave his mobile phone number is so that the lending institution can contact the borrower at any time. Once the borrower is overdue, the lending institution will The mobile phone number left by the person is used for collection.

If you change your mobile phone number after the loan is over, the borrower may not be able to receive repayment reminder SMS notifications from the lending institution, and may not be able to receive collection calls from the lending institution if it is overdue.

Therefore, if the borrower’s mobile phone number changes after applying for a loan, it is recommended to update the mobile phone number as soon as possible. If you are not sure about the update method, it is recommended to call the customer service hotline of the lending institution for consultation. Customer Service The staff will teach you how to do it, and some lending institutions support applying to change your mobile phone number through the customer service hotline. Can China Merchants Union Financial use another mobile phone number to lend out the credit limit of the previous mobile phone number?

No, the application will not be approved if you change the mobile phone number.

1. In our country, no matter what kind of number you have, it is nothing more than China Telecom, China Unicom or China Mobile, and now it is necessary to apply for a mobile phone card. Users need to upload it when applying for loan products. Proof of your identity, and your mobile phone must be consistent with your ID card. You need to submit your operator information when applying. In this way, your basic information has been mastered by the platform, even if you change your number again. But the identity will still be found out.

2. When you apply for a loan, you often need to fill in the main contact information and authorize the friend information in the address book. If you change your mobile phone number, the platform will not be able to contact you. They will try their best to contact the friends around you, but there will always be some friends who accidentally reveal your information. This is also one of the manifestations of the collector's "magical power".

Online loan, p2p online loan is the abbreviation of online loan, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory in the Internet financial industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support operating P2P Online lending institutions are connected to the credit reporting system.

The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging industry. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation.

By encouraging innovation and strengthening supervision to support each other, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and rationally define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely Crack down on illegal activities and irregularities. Can I change my mobile phone number for a loan? Can it be applied in another place?

Can I change my mobile phone number for a loan? Can it be applied in another place?

Whether we are applying for a bank loan or applying for credit on an online loan platform All loans require your real-name mobile phone number. After the loan is successful, various verification codes, repayment reminders and other information will be sent to the bound mobile phone number. Therefore, many users will change their numbers after applying for the loan. , you will worry that you will not receive relevant text messages, resulting in late repayment, etc., and you will want to change your overdue mobile phone number on the loan platform.

Generally speaking, most platforms can change the mobile phone number reserved for loans. After all, if the user repays overdue in the future, the platform will still need to collect collection through the mobile phone, so after changing the number, the mobile phone number will be changed proactively. It will be welcomed by the loan platform.

However, there are many types of loan platforms now, and different platforms will definitely have different procedures for changing mobile phone numbers. Therefore, when users want to change their mobile phone numbers, they can directly call the customer service number of the loan platform. Inform yourself that you need to change your mobile phone number. Generally, customer service will inform the user of the specific steps. As long as you follow the steps, the change can be successful.

Some users changed their mobile phone numbers because they went out of town, so they are worried that they will be hindered by geographical issues when applying for loans to change their mobile phone numbers. Therefore, they also want to know whether it is possible to change their mobile phone numbers for loans in other places. Carry out processing.

If the general user applies for an online loan, he or she can change the number directly offline without any geographical restrictions, so the user does not have to worry. If the user applies for a bank loan, he or she can actually change the number online. To change the mobile phone number in another place, users only need to bring their ID card to the bank branch where the loan is issued, and then change it with the staff.

If the user is applying for a private loan at an offline store, if he wants to change the reserved mobile phone number, he can directly call the customer service number to inquire whether it can be processed in another place. After all, different loan platforms have different regulations. Although most platforms Information replacement can be done directly in another place, but some platforms may require you to be present in person, so users must inquire clearly. Can I get a loan if I change my mobile phone number after checking my credit score? See the solution here

;? Nowadays, many formal loans require a credit check. If the credit check is failed, the loan may not be approved. Some friends suddenly thought of changing their mobile phone numbers before applying for a loan, thinking that it might be easier. But in fact, this approach is not necessarily feasible. Let’s understand it together.

Can I get a loan if I change my mobile phone number after checking my credit score? We know that getting a loan couldn’t be easier these days. There are many credit loans that require you to register with a real-name mobile phone number and upload a photo of your ID card. As for the credit report, it is useless to change the mobile phone number. Unless you change your ID card, then the credit report will be changed accordingly. But this is obviously unrealistic. Everyone has only one legal and valid ID number from birth. . In addition, changing a mobile phone number will make it more difficult to get a loan. For lending institutions, the longer the real-name mobile phone number is used, it shows that the borrower is more stable. If a new number is used, it will not be used for half a year. It does not meet the loan requirements of many loan platforms. For this reason, instead of thinking about changing your mobile phone number to get a loan, it is better to think of ways to solve the problem of credit reporting problems.

What to do? Credit reporting problems cannot be eliminated, and there is no shortcut except waiting for the passage of time to reduce the impact.

What everyone has to do is not to make the credit investigation more expensive, so you have to control your own hands and refrain from clicking on any credit business for at least three months to reduce the number of hard credit inquiries. During this period, the existing credit business must be repaid on time without being overdue. If it is a credit card, consumption must be within the scope of the ability, and the card must be used in a standardized manner.