1. When personal credit runs out or personal credit is not good, users can apply for some loans without inquiring about credit. Most of these loans are online loans, and there is no need to authorize personal credit inquiry when applying;

2. If personal income is relatively high, running water can also reflect income and repayment ability, and you can also try to apply for a bank credit loan. If you really have the repayment ability or certain property, such as multiple suites, bank credit loans can also be specially approved;

3. If you have a house and a car under your name, you can consider applying for a mortgage loan.

The above is the loan-related content that can be handled even if the big data is not good. The content is for reference only.

Methods of keeping good credit information

1. Don't apply for bank credit cards frequently;

2. If you use a credit card or apply for a loan, you need to repay it on time, not overdue;

3. If it is not carefully overdue, it needs to be solved in time, and long-term overdue will have a serious impact;

4. Unused or inactive credit cards need to be cancelled immediately;

5. Don't use online loans and small loans frequently.

This article is mainly about the knowledge that bad big data and bad credit information can apply for loans. The content is for reference only.