1. Positive answer

There are several ways to improve the overall score.

2. Specific analysis

1. Reduce personal debt ratio and pay off part of the previous debt in advance;

2. Conduct additional certifications, such as social security Certification, provident fund certification, etc.;

3. There is an overdue record in the credit report, and the overdue debt needs to be paid off;

4. The repayment ability is insufficient, and additional financial resources need to be submitted. Materials;

5. The credit record in the credit report is too small, and you need to continue to accumulate a good credit record.

Since after a loan is rejected, only the loan approval query record will be left in the credit report but not the loan record, users also need to pay attention to the frequency of applying for loans.

The above methods can help users improve their comprehensive credit score. After the comprehensive credit score is improved, the probability of passing the review can be increased. Users usually suffer from insufficient comprehensive credit scores due to multiple simultaneous reasons. Therefore, when users solve problems, they need to solve multiple problems at the same time. After solving the problem, apply for a loan again. Whether you can pass the review depends on the review results on the page.

You can get a big data report from Xiaoqixincha, find out your overdue records, and classify your online loans into formal and informal, credit-reported and irregular. On the credit report. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to repaying those with regular credit reports to minimize the impact on you.

3. What should I do if the online loan big data is hacked?

The "flower" or "blackness" of big data refers to the deterioration of one's network information big data.

Because many people believe that online loans do not need to be repaid, some people deliberately fail to repay them after borrowing them, resulting in serious overdue payments, and finally become what is often called "Internet hackers"; Some people think that applying for online loans is very convenient. They don’t need to call a contact person and the money is paid quickly, so they keep applying. This can easily lead to big data being wasted. When applying for loans or cards in the future, just rely on the Loan" will reject the application.

Although these are not shown on the credit report, the third-party data platform has recorded these behaviors in the system. It will be very difficult to apply for online loans in the future.