1, get the personal version of the credit report of the People's Bank of China. How to review online loans in general? Xinbao has three core elements, which are the most concerned by mainstream 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 not more than 90 days overdue, but there are many overdue times (more than 3 times), then there are very few online loans suitable for you.

Item 2: Current total liabilities, credit card debt ratio, such as how many credit card credit lines have been used. If the credit line of the credit card is basically used up and the total debt is relatively large, the online loan will think that you have been operating at full capacity and your 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 be particularly vigilant.

2. Can the People's Bank of China adjust its credit reporting debt ratio?

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. You'd better talk about your debt before applying for a loan. There are three ways to reduce the debt ratio, as mentioned in the previous article.

3. The presentation of historical overdue in PBOC credit report.

In the personal credit report, the overdue record is relatively simple. Only three items of information are recorded: overdue month, overdue month for more than 90 days, current overdue and so on. Only by these three items, you can't know when you are overdue, nor can you know the severity of your overdue at that time. The two overdue degrees are very different: they are not returned for several months in a row, and the number of days overdue each month. In some cases, it will be more beneficial for you to record your personal credit report as overdue.

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 is not particularly serious for many online loans to show that it is "overdue for three months in the past five years".

Second, the credit card bill mailbox

1. Ensure the integrity of the credit card bill in the mailbox. Make sure there is at least one complete credit card bill in the mailbox in the last 6 months. 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 the bad mail. Online lending institutions not only scan credit card bills in mailboxes, but also have other clues with information value. There was a member of Ahu's team before, and all the bills were done perfectly, but there were other emails in the mailbox with overdue dunning notices for online loans that were not deleted, which led to the failure of the audit.

Therefore, remember to delete any notification emails including but not limited to other online loans, online gambling registration, authentication, remittance and recharge.

4. Pay attention to the consistency of the application process. The "you" known by online lending institutions may not be a complete "you". To be precise, you show them "you" by email, etc.

For example, 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 the online lending institution, 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 own application. At this time, your answer must be consistent with the information you show to the online loan. Such as online lending. Then your answer should be card, and the maximum amount is the amount of the card you show, unless the credit report shows it separately.

Third, the 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 clearly in the address book, or write in detail 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", "cash out" and "gambling". Use your imagination and read the address book, but delete all wrong and bad words.

Another reminder, if you have some intermediary numbers in your address book, remember to delete them. For the same reason as small loan companies, 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 netizens use their brains to make a complete set of other people's address books or completely forge one, but they often ignore the coincidence of the address book and your actual call records. 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 phone records. This call record is inquired by the operator, and it must be real to be valid.

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 read your message. 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: various short messages of bank credit cards, the number of credit cards displayed in your online loan mailbox and the number of credit cards involved in the short message cannot be too different, so consistency is very important.