1. Generally, it is a five-year loan record, but when the loan platform is audited, it mainly depends on the borrower's data in the last two years. If you find yourself with bad online loan data in the official WeChat account, you must improve it in time.
2. If the online loan is overdue, it is easy to enter the online loan blacklist. If the arrears are not paid, the bad records will always exist.
3. If there are too many online loan applications, it is easy to cause bad online loan big data. The more loans you apply for, the more you will be rejected. You must be cautious before lending.
Second, do bank loans check big data?
Most banks will check users' big data credit to ensure loan security. China Bank's personal credit information system. Each bank's audit method is different, and users need to consult the customer service of the corresponding bank.
Bank loans mainly judge whether the applicant has repayment ability and good credit status, and the rest of the audit is identity, mainly based on the personal collection of China Bank, and will not lend. In order to judge whether the user has a certain repayment ability and whether there is an overdue record of online loans through the daily consumption of the user, the bank checks the loan big data. A bad credit record will not lead to a loan.
However, ordinary banks will not check big data, and banks have their own complete loan review process. When regular banks access the personal credit information system, some commercial banks and private banks can refer to the credit information data to judge the applicant's credit in the process, without big data check. The personal credit system of China Bank will give a detailed personal credit report, which is the most authoritative credit report in China. Personal credit report is also the main reference of banks.
Third, do bank loans need too much data?
Most bank loans need guarantee, and the ways of guarantee are pledge, mortgage and guarantee.
Fourth, do bank loans check big data?
Most banks will check users' big data credit to ensure the security of loans, while some banks will only check the personal credit information system of China Bank. Each bank's audit method is different, and users need to consult the customer service of the corresponding bank.
Bank loans mainly judge whether the applicant has repayment ability and good credit status, and the rest of the audit is auxiliary conditions. Banks judge users' credit status and mainly check the personal credit information system of China Bank. If they have a bad credit record, they won't lend. In order to judge whether the user has a certain repayment ability and whether there is an overdue record of online loans through the daily consumption of the user, the bank checks the loan big data. If users have bad credit records in big data, they will not lend.
However, ordinary banks will not check big data, and banks have their own complete loan review process. Regular banks are connected to the personal credit information system, and some commercial banks and private banks also have a hundred-line credit information system. Banks can judge the applicant's credit status by referring to the credit data in the process of lending. After all, banks are not online lending companies, so there is no need to look at big data. The personal credit system of China Bank will give a detailed personal credit report, which is the most authoritative credit report in China. Personal credit report is also the main reference of banks.