1. Other credit products are overdue.
If you have applied for a loans overdue in a bank or other licensed consumer finance institution, or your credit card is overdue, resulting in a bad record in credit reporting/big data and personal credit damage, it will also affect subsequent lending.
2. The credit reporting company has a bad record.
Public records are an important part of credit reports. If there are negative information such as tax arrears records, civil judgment records, enforcement records and administrative punishment records, subsequent lending will naturally be blocked.
Borrowing is too frequent recently.
Recently, many financial institutions have frequently applied for a large number of loans, and there has been a phenomenon of long-term lending. If you borrow it again, you may be suspected of unstable economic life.
4. Illegal use of loan funds.
Loan funds are prohibited from being used in investment and wealth management fields such as stocks and funds, and may not be used for arbitrage and loan repayment.
Once the illegal use of loan funds is found, not only will the loan qualification be lost, but the borrowed loan may also be required to be paid off in advance.
5. The personal debt ratio is too high.
If there are too many outstanding debts, the personal debt ratio reflected in the credit report is too high, which will inevitably affect the subsequent loan approval. At that time, if you can't provide enough proof of economic income, most of them will be suspected of insufficient repayment ability and refuse to approve the loan.
6. Become an untrustworthy person.
Once listed by the court as an executor of dishonesty, he will be banned from handling credit business, and when he is removed from the list of dishonesty, he will be eligible for loans.
7. Loss of stable economic income.
I recently lost my fixed job and my income level can't meet the requirements of banks, lending institutions or platforms. The loan I applied for will naturally be rejected because there is no sustainable economic source.
8. There are too many credit inquiries.
If there are too many inquiries in the credit report in the name of loan approval, credit card approval and guarantee qualification examination, personal credit will become a "flower", which will affect subsequent lending.
9. The comprehensive score of the system is too low.
Every financial institution has a special risk control system, which will comprehensively evaluate users' historical loan repayment records and performance. If it is found that users often repay in advance and the account activity is too low, the system score will be affected, and the loan will naturally be difficult to pass the examination and approval.
10, data information is abnormal.
The application materials provided before and after are inconsistent, or the personal data is inconsistent with the real situation, and the identity information is out of date. , it will affect the judgment of banks, lending institutions or platforms, and even be suspected of fraudulent loans.
Many people become blacklists of online loans after overdue, but I don't know that bad long-term loans will also be blacklisted besides overdue. Specifically, you can go to Beijian to check and test your long-term loan. Long-term loans are mainly personal recent applications in lending institutions. It is suggested that you can slow down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
Extended data:
Why do you borrow online loans for no reason?
If you find yourself borrowing online loans for no reason, it is probably because of the following reasons.
1. Personal identity information was inadvertently leaked, causing others to steal their identity and make fake loans.
Since the other party has kept its own information, the borrowed online loan is naturally counted on its own head.
2. The online loan is actually borrowed by others, and I am only the guarantor of the other party's loan.
However, the guarantor also needs to bear the repayment obligation within the scope of the corresponding guarantee responsibility. If the borrower fails to repay the loan, the loan platform will find a guarantor to repay the loan, and the relevant loan records will also leave personal big data/credit information.
I didn't actually borrow money. I may have browsed on the loan platform before, leaving a message, which is regarded as a potential target by the loan platform, and the other party may recommend me to borrow money from time to time.
4. In the name of the loan platform, some lawless elements claim that they have not repaid, and ask them to repay quickly, so as to defraud unknown funds.