in the case that the comprehensive score of the loan is insufficient, it is suggested to contact the customer service of the lending institution/platform first to find out what the specific problem is.
Second, the specific analysis
You should know that the comprehensive evaluation of the system will take into account many aspects such as age, education, marital status, work income, loan records, liabilities, credit status and so on.
If it is found that there is something wrong with the credit, it is necessary to take time to repair the damaged credit and accumulate more good records if the comprehensive evaluation of the system can reach the standard when borrowing money in the future (first, raise the credit for about three to six months, and if it is caused by overdue, you must pay off the debt quickly and can't continue to default).
if it is found out that the debt is too high, and the recent frequent loan applications have led to long-term borrowing, and the credit information (big data) has become "spent", you need to find a way to pay off the debt under your name first. If it is not clear at the moment, you can try your best to pay back more, so as to reduce the personal debt ratio.
At the same time, it's best not to apply for new loans for at least three months. After three months, the situation of excessive credit reporting (big data) has improved, and the personal debt ratio has also decreased. At that time, borrowing should be no problem.
online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: Xiaoqi Credit Search can generate big data reports. Although there are differences between the two, in order to avoid the situation that individuals are unable to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
third, online lending big data query platform official website download?
if you want to query online loan big data, you usually query it in some private query systems and third-party platforms.
There are many non-governmental inquiry systems, so we should pay more attention to them when choosing them. In order to choose those formal and large institutions, the bank generally conducts pre-loan audit on the platforms of Beijian Quick Inquiry, Xiaoqi Credit Inquiry and Tongdun Data. Because small organizations are generally unreliable, the information of one person will be leaked, which will also cause security risks.
If you want to inquire about the central bank's credit information, just bring your ID card to the local central bank's credit information center. You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to official website, the central bank, directly on the computer for inquiry.
the central bank's credit reporting and online lending big data are basically irrelevant. If you apply for online loans, it is mainly based on big data and platform risk control; The application for bank loans and those loans connected to lending institutions and platforms with central bank credit information system are mainly based on the borrower's central bank credit information report.