Credit information is not good, big data is chaotic, and loans may be made. There are many items of loan inspection, not just credit investigation.
The key issues of the loan are whether the purpose of the loan is legal and conforms to the national macro-oriented policy, as well as whether the repayment source is reliable and the borrower's assets and liabilities. Personal credit information is second only to these items.
Second, can big data still be loaned?
The following channels are for reference:
1. After a period of time, the historical bad credit record in online loan big data will not play its role as usual. Under normal circumstances, the influence of online loan borrowers will decline over time after they change their bad lending habits and behaviors.
2. Handling mortgage loans does not require high credit status of borrowers. If the borrower can provide valuable collateral, it is more likely to pass the loan review and evaluation.
3. Choose loans that don't value online lending big data. At present, the thresholds of lending institutions are different, and some do not value users' online loan big data. But be careful when choosing. It seems that credit big data has been spent, and loans are not impossible. If the number of online loan applications is reduced to no more than 2 times per week, online loan big data will generally be at a normal level after three months. At that time, it is enough to observe whether the online loan big data has returned to normal score. Wechat search: Fu Rui data. Click Query to view your online loan data report, online loan application record, online loan overdue details, online loan black index score, hit risk warning and other data reports. Among them, you can judge whether you are a black household by the score of the Internet black household index. Hit risk warning can better help users find their own shortcomings and improve the approval rate of online loans. There are still relatively few platforms that don't look at online lending big data. Many platforms will use the borrower's online loan big data as a reference standard. Even if a platform is willing to lend you money without looking at your big data, you should be prepared to be charged a high handling fee, because the interest of this low-threshold platform is definitely very high, and you may encounter various routine loans.
I spent my credit investigation, but it is not overdue. Online loans are rejected every second, and the data is chaotic. I want to borrow 20 thousand yuan. Where can I use it urgently? what can I do?
If you apply for a loan, you will not pass. Now, if you need 20,000 yuan, you can contact your family, relatives, colleagues and friends. See if they're
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Nowadays, the importance of personal credit reporting must be needless to say.
It has long been not limited to the important reference for banks to lend credit cards, but has become a comprehensive identity certificate for personal credit investigation. The loan is difficult to succeed. So, where is the loan?
0 1, and the credit information is even three times and six times.
"Three times in a row and six times in a row" in personal credit information means that it is overdue for three months in a row, and there are more than six overdue records in two years. Generally speaking, if you borrow again, the chances of success are slim. After all, overdue once or twice may be a probability problem in the eyes of banks, but if it happens so many times, the big probability is an attitude problem.
02. Too many credit inquiries.
Perhaps most people misunderstand the credit information because overdue and bad debts have seriously damaged the interests of banks. But this is a letter? Not exactly. In fact, credit investigation is not only a kind of text used to record overdue behavior, but also used by banks.
If the lender's credit information is inquired many times in a year, it actually means that the lender has great risks, because that is why he is eager to find a way to fill it.
Therefore, after six times, it is recommended not to apply for a loan again, because there is a high probability that it will not pass.
03. Credit card overdraft
The impact of this point is actually relatively small, but we still have to mention it. Generally speaking, there is no clear regulation on credit card consumption. If it is normal consumption, there will be no problem. However, if 80% of the credit card limit is often swiped in an order, it will be blacked out by banks or the whole banking industry, which will directly affect its future.
04. A large amount of arrears has not been settled.
It's difficult to apply for credit cards and loans at this time if you still owe a lot in your name. Why is this? Because the arrears in your name have taken up your personal credit line.
When lending credit cards, banks should not only refer to personal credit records, but also judge whether you have the ability to repay more money according to the applicant's current economic situation, income and total credit limit under the current name. So, this is why it is not recommended to apply again, even though your credit is very good.
05. expired
If there is still an overdue payment in your name, it is impossible to apply for a credit card loan at this time. Put yourself in others' shoes. We often say: "It is not difficult to borrow again if you borrow and pay back." If someone has lent you a sum of money and hasn't paid it back, will you lend him money on this basis? However, most people are not stupid enough to hit it. Moreover, even if the repayment is overdue, it will take some time.
06. There are too many online loans under your name.
In fact, this situation is similar to the reason of 4. If you have a lot of small online loans under your name, the bank will not only think that you are a person without self-discipline, but also question your financial ability and repayment ability because of the amount you currently owe, thus rejecting your application. Seeing this, some people may ask: Why can't you apply under these circumstances? In fact, it is not impossible to apply, but in these cases, if you apply for a loan again, most of them may be rejected. Rejection is not a big deal, but it is also a hassle. One application is a query record, and multiple applications are multiple applications. If this situation continues, the chances of successful application will not appear in the foreseeable future. ......
Therefore, when there is a bad record in credit reporting, the most urgent thing we should do is to improve credit reporting first! When the credit information becomes better, everything else will be easy!
4. If my credit information is less than 90 days overdue, can I apply for a loan?
First, there are many platforms for querying personal online loan big data.
But most of them are expensive and the data are not comprehensive enough.
Second, cyber hackers, generally people who don't pay back the money on time, or users who have bad behavior, are easily listed as cyber hackers and judge whether they are cyber hackers. On wechat: kingfisher data can be viewed. You can also look at your credit score, contact blacklist and so on.
Third, after being blacklisted, the loan application is easily rejected and needs to be handled in time.
The most obvious impact of big data hacking is that applying for a loan is easy to be rejected, even if the loan is applied, the amount is not high.
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