So, have you paid off your online loan? If your online loan is currently overdue and recorded on credit information or other platforms, banks can still find it. Do you have a bad record in the credit investigation, or do you have too many inquiry records? These credit stains in credit investigation can be dealt with, and there are ways to deal with your problems. No more online loans, the interest is too high.
Second, there are many online loans, and credit information has been spent. How to borrow money?
Credit information is spent, as long as it is not overdue or a small amount is overdue, you can borrow money. At present, online lending still relies heavily on the scores of the main data in the credit report. You can check your score and get it in the search. If the score is low, it is recommended not to lend online. Even if you can borrow money, the interest will be high.
Third, the number of online loan clicks is too large. How long does it take to get a loan?
First of all, an affirmative answer.
Big data "flower" or "black" means that your own network information big data has become worse.
Second, the specific analysis
Because many people think that online loans don't have to be repaid, some people deliberately don't repay them after borrowing them, causing serious overdue, and finally they become what people often call "cyber black"; Others think that it is very convenient to apply for online loans. You don't have to call a contact person to apply all the time, which will easily lead to changes in big data. When you apply for a loan or a card in the future, you can refuse the application simply by "borrowing for many times".
Although these behaviors are not shown in the credit report, the third-party data platform has recorded these behaviors in the system, and it will be very difficult to apply for online loans in the future.
Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid the situation that individuals are unable to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
Third, how many days is the online loan overdue?
How long the online loan is overdue is mainly discussed in two situations.
1. If there is no grace period and the repayment is overdue beyond the repayment date, credit will be recorded.
The online lending platform does not provide a grace period for repayment, so if the user fails to repay after the repayment date, the overdue record will be reported to the credit bureau. Even after the repayment date, the user has made repayment, which is also overdue. Overdue records have been generated when overdue repayment is made. Users can automatically delete overdue records only after paying off overdue debts.
2. If there is a grace period, the overdue repayment after the grace period will be recorded as credit investigation.
The online lending platform provides a grace period for repayment. Repayment from the repayment date to the grace period is regarded as timely repayment by the user. Repayment on time will not produce overdue records and overdue interest, so there will be no overdue records uploaded to the credit investigation. After the grace period, the loan has not been repaid or the loan has been repaid after the grace period. At this time, the online lending platform will be regarded as overdue. As long as it is overdue, it will generate overdue records and overdue interest, and then the online lending platform will upload the overdue records to the user's personal credit report according to relevant regulations.
Both of the above situations will lead to overdue records of credit information, which will lead to poor personal credit information and affect users' application for other loan business. After paying off overdue debts, overdue records will be automatically deleted after 5 years. Therefore, once overdue, please pay off the overdue debt as soon as possible, so that personal credit information can be restored as soon as possible.
Fourth, how to get a loan if the online loan hits too much?
We can only mortgage.
Does it matter if the credit information is spent?
Banks have successively raised the threshold for applying for loans. For example, laws and regulations have been enacted, and the frequency of Internet loans has increased. Even if the repayment is made on time, there will be many situations that may be abnormal and need approval.
In particular, many mainstream Internet financial platforms, such as IOUs, borrowings and micro-loans, are used by many people, and many customers have used them more than twice, which will have a certain impact.
Tolerance standards are different. Generally, the standard in prime bank is that loans and credit cards cannot be overdue for more than 6 times within 2 years, and cannot be overdue for more than 3 times in a row.
The credit information of mainstream online loans is as follows:
1, Ant Garden: Jean Cezanne Credit Information
2, ants borrow: China People's Bank credit.
3.JD.COM IOUs: You can go to the People's Bank of China for credit information.
4. Microfinance: China People's Bank Credit Information.
5. Free payment: China People's Bank conducts credit investigation.
Second, the sign
1, mortgage loan
If there is a suitable mortgage loan for real estate, automobile and capital in the name, it is not only high in amount, but also low in interest, so there is no need to provide credit information. Loan users may also apply successfully and repay the loan on time to accumulate a good credit record.
2. Credit card loan
If you have a credit card and repay it on time, you can use it to apply for a loan, and the next payment will be super fast.
3. Low threshold loans
Credit information does not represent loan users, and some banks can only try to apply for some products with low thresholds. According to the data, each bank has different tolerance standards. Generally speaking, the standard in prime bank is that the loan cannot exceed six times and the loan cannot exceed three consecutive overdue times.
The credit information of mainstream online loans is as follows:
1, Ant Garden: Jean Cezanne Credit Information
2, ants borrow: China People's Bank credit.
3.JD.COM IOUs: You can go to the People's Bank of China for credit information.
4. Microfinance: China People's Bank Credit Information.
5. letter