A few days ago, a masturbation friend told me that he had been lurking in the credit manager group for two weeks. After getting to know himself and his enemy, he successfully got 5 jobs with quotas of tens of thousands.

Everyone knows that many online loans are approved and disbursed very quickly and require very few supporting documents. So how do these online loan institutions quickly determine user qualifications?

To put it more advanced, they review the borrower’s qualifications through the current mainstream big data system; to put it more simply, they use the borrower’s online credit (such as Sesame Credit Score), online shopping behavior, and contacts Personal information, credit card emails, etc. are used to determine the borrower’s qualifications.

1. Optimize mobile phone text message records

This is a bit unfair to Android users. Because text messages on Android phones can be read by third parties, Apple phones may be more thorough in protecting privacy, and no third party can read text messages. Under this mechanism, Android phone users are exposed to more information to online lending institutions, so Android users should always check their text message records, and pay special attention to deleting messages with the following keywords:

( 1) Repayment reminders and collection text messages from other small loans are clearly deductible items when applying for a loan;

(2) Overdue reminder text messages from credit cards are also fatal.

What is worth noting here is that the number of credit cards presented to the online lender in the email and the number of credit cards involved in the text message must be consistent.

2. Optimize mobile phone address book

That friend told me that before disbursing money, the APP of online lending institutions will pop up an option to allow the partner to authorize the APP to read the communication. recorded. This is a basic risk control measure for online lending institutions.

Online lending institutions generally make judgments based on the following two points:

(1) The stability of the mobile phone number; it is difficult for online lending institutions to feel at ease with a person who always changes his mobile phone number. , so there are more contacts in the address book, which is a good thing to some extent;

(2) Are there many loan intermediaries and small loan company numbers in the address book; if so, definitely You should change your notes carefully, otherwise the loan review will think that you are short of money;

(3) Consistency of contact phone numbers; when applying for a small loan, you will usually fill in several contact phone numbers. The phone numbers of these people It must appear in the address book, and the notes should be consistent with those when applying for the loan. It is best to have more phone calls with them.

3. Optimize online shopping accounts

Online lending institutions will generally judge the applicant’s economic level based on his online shopping habits; Huabei and Baitiao quotas, and whether installments are frequently used, Both of these are important judgment criteria for online lending institutions.

Therefore, the accounts registered on these two online shopping platforms must be real-name as much as possible, and the real-name name must be consistent with the small loan applicant; if there has been a Huabei or Baitiao overdue, try not to bind it It’s settled; the delivery address can reflect the stability of a person’s work and life, so it’s also important to keep the delivery address as consistent as possible.

4. Optimize credit card bills

Applying for a credit card requires a good personal credit record and repayment ability, so people with credit cards are more likely to be trusted by online lending institutions, so There are also many online lending institutions that ask borrowers to bind their credit card email addresses. In fact, they want to find out your consumption, repayment, and overdue status from your emails.

If your credit card email is a business email, online lending institutions may consider your work information to be true; the longer you use your credit card normally, the easier it will be for your personal credit habits to be recognized, so try your best. Make sure you have the last six months of complete bills in your mailbox. Of course, if there are overdue reminder emails, be sure to delete them all.