1. The repayment is overdue.
Most banks or other financial institutions will focus on loan repayment records and credit card repayment records when reviewing users' credit reports. Whether there are three consecutive overdue records or six accumulated overdue records within two years is the basis for considering the user's comprehensive loan score. If users have poor repayment habits, loans and credit cards are overdue, which will lead to insufficient comprehensive loan scores.
2. The debt level is too high.
In the user's credit report, the loan amount, loan term and remaining principal of each loan are recorded in the loan record column, and the card issuer, credit line and usage line of each credit card account are recorded in the credit card account column.
If there are high debts in the user's loan records and credit card records, or the proportion of credit lines used in credit card accounts is too high, it proves that the user is short of funds, and the evaluation system of lending institutions will lower the comprehensive loan score.
3. There are too many credit inquiries.
In the column of user's credit report inquiry record, the credit report inquiry record of users applying for loans or credit cards within two years is recorded. If the sum of loan approval and credit card approval times exceeds 5 times in 1 month and 10 times in 3 months, the system will think that the user is short of short-term funds, which will affect the system's judgment on the comprehensive loan score.
4. The information is not true enough.
The true level of information submitted by users when applying for loans will also affect the determination of comprehensive loan scores. If users submit false personal information, or invalid personal information, such as expired ID card, mobile phone number, bank card with non-real name, etc., the system will reduce the comprehensive score of loans and affect the normal approval and issuance of loans.
5. Insufficient asset level.
Personal income and asset certification information submitted by users when applying for loans are also the basis for judging the comprehensive score of loans. When applying for a loan, if the personal salary and asset certificate submitted by the user are not enough to meet the minimum asset level requirements of the loan platform, then the comprehensive score is insufficient.
If the online loan itself is not compliant, then such online loans are overdue and have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
Extended data:
Online loan big data query free software?
Want to query online loan big data, generally in some private inquiry systems and third-party platforms.
There are many folk inquiry systems, so we should pay more attention when choosing them. To choose those formal large institutions, we generally do pre-lending audit on platforms such as Beijian Express Inquiry, Winnie Hsin Inquiry and Tongdun Data. Because small organizations are generally unreliable, a person's information will be leaked, which will also cause security risks.
If you want to check the central bank's credit information, you can bring your ID card directly to the local central bank's credit information center. You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to official website, the central bank, and query directly on the computer.
Central bank credit reporting has little to do with online lending big data. If you apply for online loans, it is mainly based on big data and peaceful typhoon control; The application for bank loans and loans from lending institutions and platforms accessing the central bank's credit information system are mainly based on the borrower's central bank's credit information report.