First, the online loan review mainly looks at:
Personal credit report on personal credit, online lending platform only looks at three points: First, overdue. 90 days is a demarcation point. More than 90 days, basically not approved, less than 90 days, if there is still a chance within 3 times, more than 3 times, basically not approved. Second, look at liabilities. If your total debt is very large, it is basically not approved, if the amount and rate are not particularly good. Third, look at the number of credit inquiries. Too many credit inquiries indicate that you are short of money recently. The online lending platform will also pay special attention. So when looking for a loan, it's best to find those who don't check the credit information. Even if the application is unsuccessful, there will be no trace of your credit information, which will affect your application for another house.
Alipay and Sesame Credit are divided into many online loan companies. Your consumption and reputation are a good criterion.
Second, the savings card is mobile. Many people think their savings cards are very mobile, so they look good. In fact, online loans look at the flow of savings cards, mainly to identify the salary part and see if you have a stable income. Savings card running water is an optional application material in most cases. If there is no stable and considerable wage income, don't provide it.
Work information
Now some online loans need to provide work certificates such as work permits and business cards. We suggest that you provide real personal information, because once fraud is found, it will be blacklisted by online lending institutions.
Third, some borrowers are afraid of receiving harassing calls, handling new mobile phone numbers, and temporarily opening emergency loans. In the audit, it is easier to get a higher credit score by authenticating my mobile phone number with my real name. The longer you use it (preferably more than 6 months), the better your habits will be. If you never owe money, you will definitely get points. In other words, the temporarily opened mobile phone number will be considered by the wind control as suspected of fraudulent loans. The data is true: due to the era of big data, risk control has a wider scope of investigation on user behavior. Please fill in real information as required when filling in personal data. Including: ID card information, name, permanent address, company, company address, employment time, job position, contact information, Taobao JD.COM account number and other false information can not escape the attention of the audit system!