My loan software can't even get a loan. Is there a problem with credit reporting?

I borrowed dozens of money online, and many of them were rejected. Can I apply for approval again?

There are many applications for online loans, and it is basically difficult to apply for loans again. Your dozens of online loans have been rejected, indicating that your debt situation is also very high. The online lending platform is not a charity and will not risk borrowing money.

First of all, some online lending platforms seek credit. When you apply for a loan, the online lending platform will inquire about your credit, and the credit report will show the current liabilities of the applicant and your basic asset information and other related information. Your online loan has been rejected too many times, and the debt ratio is definitely higher.

On the other hand, other online lending platforms will have big data even if there is no credit. In the era of big data, many online loan companies use big data as the basis of risk control to evaluate applicants, so it is difficult to apply for online loans again.

If you apply for too many online loans, it is best not to apply for online loans in the past four months to six months. Take good care of your credit for the time being, and it is not too late to apply after taking good care of your personal credit. If you are in urgent need of funds, it is suggested to take other effective measures to solve it, such as finding family and friends to turn around, or swiping credit cards.

1. More online loans are equivalent to more liabilities. This situation is very difficult. If you want to solve this problem, you must plan it. Your loan application can be approved if your credit information is good and you have enough funds to repay your consumption every month.

2. If you want to apply for a bank loan to ease the economic pressure, you can look at the main conditions for applying for a bank loan business: ① a natural person with age 19-55; (2) The applicant has a stable occupation and income, and has the ability to repay the loan principal and interest on schedule; ③ Good credit information and no bad records.

3. If the online loan is overdue, it may face: bear a high overdue fee, and in serious cases, bear the fancy collection of the platform. I've seen people push the arrears information to relatives and friends before and find a special collector to collect it at home. Parents in trouble can't lift their heads in the community. If there is a credit information system on the platform, your credit information will be tainted.

Too many loan applications have been rejected. How to improve them?

If too many loan applications lead to any loan failure at present, customers are advised not to apply for loans temporarily. Because customers are likely to have a high debt ratio now, there are too many loan records and inquiry records in credit information or big data. In this case, it is more difficult to get a loan. Only by solving the problem first can we get a loan.

Customers can repay the loan first and pay off the debt slowly; And ensure timely repayment to avoid overdue behavior affecting personal credit. After the debt ratio is reduced, the recent credit record is relatively good, and there are not so many loan records and inquiry records, and then applying for a loan may be successful.

I suggest you don't always apply for a loan. Many people apply for loans just to meet their own consumption needs. But in this way, not only individuals will bear too much debt; It may affect the approval of loans when money is really needed later. If there are too many loans, the overdue behavior will also damage personal credit. If there are too many online loan applications, and later the online loan application is rejected, don't apply again in a short time. You should take good care of your credit for a period of time, and it is not too late to apply after taking good care of your personal credit. It is best not to apply for online loans in the past three to six months. If there is a need for funds, it is also recommended to take other measures to solve it, such as finding friends and relatives to turn around and swiping credit cards.

Also, the online loans used now should be repaid on time to avoid overdue. Otherwise, it will have a very bad influence on personal credit, which will further affect the application for loans in the future.

In addition, it is also suggested to reduce the existing online loans. Don't borrow some online loans after they are paid off, which can reduce your debt ratio, instead of having a dozen or even dozens of online loans at the same time. In fact, we will leave some online loan products with high quota and long term. Moreover, this can also reduce the repayment pressure and make it difficult to overdue. .

Why are all my online loans rejected?

There are several reasons why online loans are rejected:

1. Has a bad credit record on other platforms.

Poor personal credit reporting is an important reason. Nowadays, many platforms have large databases, and some organizations that enjoy it will make inquiries through blacklists. Although the borrower has a good loan on the lending platform, it has a bad record on other lending platforms, such as overdue repayment, which may lead to the applicant's second loan application being rejected.

This bank doesn't have enough running water.

If you apply for a loan in a bank, the running water of the bank is an important reference factor when handling the loan. The bank mainly evaluates your repayment ability according to the running record to see if there is a stable income. If the bank has no running water or too little running water, the loan will become invalid again.

3, its own debt ratio is too high

On the basis of not repaying the last loan amount, borrowing again will increase its debt ratio and cause great repayment pressure. Such an applicant bank is unwilling to give you a loan under the condition of comprehensive consideration of repayment.

If the bank financial institution will inquire about the credit information, it is suggested to pay off some debts properly before applying for a loan. If the borrower borrows 6,543,800 yuan from the bank, but there is an outstanding loan amount of 60,000 yuan, when you apply for a loan again, the bank will only give you a loan amount of 40,000 yuan at most, and it is best to apply successfully at one time, otherwise the application records will be frequently left, which will also affect the next loan.

Extended data:

If the online loan is overdue, it will have the following adverse consequences:

1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will rise above the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to repay, and the repayment pressure will increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have the central bank's credit reporting authority, and may also report the overdue situation to the central bank for credit reporting, leaving bad information in the customer's personal credit reporting, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, due to credit damage, customers will probably not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving. Once problems are found, they will naturally refuse to approve the loan.

Online loan application conditions:

1. The online loan association requires applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require applicants to have good sesame credit, but different loan products have different standard requirements for sesame credit scores. General applicants need to reach about 500% or 600%.

3. Personal credit: Some online loans need to be checked, and some don't, but overall, the applicant's personal credit is good.

4. Other conditions: online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.

Of course, different online loan products may have different situations, and the actual situation is subject to the product page display.

Save it. Why do you say that there are too many borrowers in the short term and you won't lend money for the time being?

Because the platform does not allow loans, the number or amount of loans reached the platform loan limit in a short time. Therefore, the platform will not open loan services in the short term.

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What should I do if there are too many platform loans and I can't get the money? You can do it.

We all know that it is more convenient to borrow money on the online lending platform. We have a mobile phone and an ID card. We can borrow money with some simple information, but we can't borrow money too casually, or we may be rejected if we borrow it again. What should I do if I can't borrow money after encountering too many loans on the platform? Don't worry, you can do it.

Reasons for refusing loans after excessive loans.

At present, most online lending platforms have been connected to the credit information system, and online lending institutions also have their own online lending big data systems. You can check the borrower's loan application record. If you apply for too many loans, it means that the applicant's economic situation is very poor and his repayment ability is insufficient. In this case, the lending institution will refuse its loan request for risk reasons.

At present, many platforms give credit lines, and some platforms will ask for credit information when borrowing money. In this case, even if they can borrow money before, if they borrow too much, the lender's risk control system will feel that the borrower is in danger and refuse to lend.

The platform can't borrow money, so it can.

Online loan big data is spent. It is best to stop applying for all loans and apply again after 6 months. The general loan platform is to check the loan frequency in the past three months, and it is not a big problem if it is six months.

In the meantime, don't apply for bank credit cards or bank loans, because it is difficult to pass. The more rejected records, the greater the impact on your personal credit.

If it is spent on credit investigation, it is relatively difficult, and the bad record of credit investigation will take five years to eliminate. At this time, you can try to increase your personal income, and don't rob Peter to pay Paul, so your debt will continue to increase.

When making a loan, the lending institution should not only look at the credit information, but also look at the borrower's repayment ability. If there are too many platform loans in the early stage, the income will increase rapidly in the later stage, and the credit information will remain good. Lending institutions will also conduct audits according to specific circumstances.