There is indeed a term for financial packaging, but most of them are unreliable and there are many scams.

Financial packaged loans are generally unreliable, especially credit packaged loans, which are basically scams. No institution has the right to change the data and information in the central bank's credit report, if it is just for work, income, turnover, etc. Packaging, there is still a chance to get away with it.

However, this kind of packaging company will charge a certain handling fee, and it is unknown whether the loan can be successfully obtained after packaging.

However, it is not recommended to use financial packaging for loans. On the one hand, individuals need to bear the packaging handling fee. On the other hand, it is still unknown whether the loan can be successfully processed after packaging; and once the information is discovered by a bank or formal financial institution, Counterfeiting seriously affects personal credit.

If a borrower applies for loans too frequently or performs loan operations too frequently, it will increase personal credit risk. You can check the personal credit risk index in "Balloon Check". The higher the risk score, the more likely the application is to be rejected.

Extended information:

How to get a loan if big data is not good?

If big data is not good and you want a loan, you can try the following methods.

1. When big data is not good, it is basically impossible to apply for a bank loan and a credit check. You can only find loans that do not check credit or big data. Apply, it is possible to apply.

2. Stop applying for loans and credit cards; then pay off all current overdue and unpaid loans, improve your credit score, and the big data will get better. Wait for a while before applying again. .

3. When applying for a loan, you must be careful not to apply for other loans and credit cards frequently. Generally, your credit report will be checked every time you apply, and each query will be recorded. Once there are too many queries, It’s a waste of money to check your personal credit, which is not good for you when applying for a loan.

4. It should be noted that there are fewer and fewer loan platforms that do not check credit information or big data. Do not fall into a loan platform with relatively high interest rates just for a loan.