There is no loan, but the text message is overdue

If the user has borrowed money from the loan platform before, the loan platform may send a loan invitation message from a new performance source; If the user has never made a loan, it may be that official website has entered some loan platforms before, and the loan platform will also send a loan invitation message; After the loan platform obtains the user information, it will send a loan invitation message to expand its business; Or the user's personal information is stolen by others to borrow money.

I. Reasons for receiving loan information

1. If the user has made a loan on the loan platform before, even if the loan is settled, personal information will be left on the loan platform, and the loan platform may send a loan invitation message from a new performance source;

2. If the user has never made a loan, it may be official website, who has entered some loan platforms before and consulted information, and is considered as a potential customer, so the loan platform will also send a loan invitation message;

3. It may be that the user's personal information is inadvertently leaked, and the loan platform will send a loan invitation SMS to expand the business after obtaining the user information; Or the user's personal information is stolen by others to borrow money.

Second, the factors affecting the success of the loan:

1, even three times six

"Three consecutive years and six consecutive years" is a combination of "three consecutive years" and "six consecutive years". Generally speaking, "three consecutive months" means overdue repayment, and "six consecutive years" means overdue repayment six times in one year.

If there is a situation of "three consecutive times", it means that your personal credit report is extremely bad, and the bank will judge that your personal impression is very bad. Then, there is a great risk that the borrower's loan and credit card application will be rejected.

2. Late payment

Overdue, especially never, and as long as there is no repayment, the record will always exist. The overdue records of credit cards are all recorded in the credit report. Therefore, people who have never paid back the credit card money indicate that their personal credit information is poor, so personal mortgages will be rejected by banks. Therefore, we must pay attention to keeping personal credit information well and don't discredit our own credit information.