1. Upload real information
Before applying for a loan, users must first use their real-name mobile phone number to receive the verification code and register a loan account. When actually applying for a loan, they must upload their real and effective information, such as the ID card within the validity period and the bank savings card used by their real name, so that the system can confirm that the user applied for a loan himself, thus evaluating a higher comprehensive score.
2. Adding asset certificates
The reason for the insufficient comprehensive score may also be that the user's asset certificates are few, which leads to the system that the user's income level can't repay the loan normally. Therefore, before applying for a loan, the user can also upload his own asset income certificates, such as salary running, social security accumulation fund deposit details, immovable property certificate, vehicle ownership certificate, etc. Only in this way can the system consider the user's qualification good and evaluate a higher comprehensive score.
3. Pay off some debts
If the debts of the users are too high in the loan records and credit card records, the loan platform will assume that the users' solvency is limited, which will lead to insufficient comprehensive scores. Before applying for loans, users should take the initiative to settle some revolving loans and consumer loans, so as to reduce the users' debt level and obtain a higher comprehensive score.
4. Repay overdue debts
If the user's loans and credit cards are overdue, they must be repaid in time, and they can't be overdue again in the next six months to one year, so as to get a higher comprehensive score. However, if they are particularly overdue, they can only apply for loans after the five-year retention period recorded in the credit report has passed.
5. Avoid repeated applications
Users should not casually test the loan amount on different loan platforms when they need loans, which will leave a record on the credit report, thus affecting the approval of loans. Users should know about the different loan platforms and choose good loan products before applying for loans, and avoid submitting loan applications repeatedly, so as to get a higher comprehensive score.
online lending big data is a third-party credit inquiry system for lending institutions, which integrates loan records of various online lending platforms by using big data technology. You can clearly understand the problems existing in your online loan big data in "Beijian Quick Check", query accurately and completely, and solve the problems in online loan big data in time.
Extended information:
After the loan is overdue, you can negotiate to repay only the principal?
after accessing loans overdue, you can contact the platform personnel directly if you want to negotiate to return it slowly.
after contacting, first explain your intention, then explain your own situation clearly, and provide relevant information to prove that you don't intentionally pay back the arrears, but you really don't have the repayment ability. Then you can put forward a good repayment plan according to your own economic situation, and apply for extending the repayment period and repaying the arrears by installments.
The loan platform should consider it as appropriate. If it can finally be agreed, then it is only necessary to repay the arrears on time and in installments according to the negotiated new repayment plan. If the negotiation fails, you can adjust the repayment plan and try to negotiate more times.
We really can't negotiate, so we have to find another way. For example, we can borrow money from friends and relatives around us to raise money to repay the debt. Everyone needs to pay attention that if the interest charged by the loan platform is too high, you can actually collect evidence to report the platform.