Several information of online loan audit:
(1) Personal Credit Information: In personal credit information, the online loan platform only looks at three points: First, it is overdue. 90 days is a demarcation point. More than 90 days, basically not approved, less than 90 days, if there is still a chance within 3 times, more than 3 times, basically not approved. Second, look at liabilities. If your total debt is very large, it is basically not approved, if the amount and rate are not particularly good. Third, look at the number of credit inquiries. Too many credit inquiries indicate that you are short of money recently. The online lending platform will also pay special attention. So when looking for a loan, it's best to find those who don't check the credit information. Even if the application is unsuccessful, there will be no trace of your credit information, which will affect your application for another house. (2) The savings card is flowing: Many people think that their savings card is flowing and beautiful. In fact, online loans look at the flow of savings cards, mainly to identify the salary part and see if you have a stable income. Savings card running water is an optional application material in most cases. If there is no stable and considerable wage income, don't provide it. (3) Alipay and Sesame Credit Score: Now many online loan companies use Alipay information, and your consumption and reputation are a good criterion. (4) Work information: Now some online loans need to provide work certificates such as work permits and business cards. We suggest that you provide real personal information, because once fraud is found, it will be blacklisted by online lending institutions.