Recently, many users have consulted me, saying that applying for online loans using their mobile phone numbers is often rejected and fails for unknown reasons. In fact, it has a lot to do with their mobile phone number. If it is not optimized before applying for a loan, the possibility of being rejected is very high. So what should I do if my mobile phone number loan fails?

1. Online loan blacklist: With the continuous development of the Internet, in addition to authoritative credit institutions such as the Central Bank Credit Information, Baihang Credit Information, Zhima Credit, etc., many large private databases have also emerged. As long as you enter By using your mobile phone number, you can find data such as the "credit overdue list", "the Chinese court's dishonest list", "number of applications in the past six months", etc., which has certain reference significance. So once your number is on the online loan blacklist, it will be easily rejected.

2. Real-name authentication system: In order to prevent some people from frantically registering small accounts, applying for various loans, and then changing accounts and running away, online loan platforms require real-name authentication on mobile phones for more than 6 months. The longer the better. Applying for an online loan with a number that has just been authenticated can easily fail.

3. Address book: Many online loans now require authorized address books. If the mobile phone number is too few or there are abnormalities, such as garbled numbers or no obvious family numbers, it will be easily rejected.

4. Too many registrations: If the borrower’s mobile phone number is associated with multiple ID numbers, it is suspected of being used by multiple people to apply for small loans. There is a problem of multi-party lending, and it is easy to be Refuse.

In summary, the mobile phone number is a very important loan application information. After all, it is the only way for online loans to contact borrowers, so it will be more important. If you want to improve the success of loan applications, you must optimize it in advance.