How long does it usually take for the address book to explode?

Under normal circumstances, if the borrower's loans overdue exceeds 3 days, someone will start to call for a collection.

II. Specific Analysis

According to the regulations, financial institutions must truthfully send the borrower's borrowing and repayment records to the central bank's credit information center within T+1 days. Therefore, after more than 3 days, the borrower's overdue records will definitely be reported to the credit bureau, and financial institutions will also start to call for collection.

However, the beginning of telephone collection does not mean that the borrower's address book will be hacked soon. As long as the collection staff can contact the borrower, and the borrower has a good repayment attitude and the overdue time is not more than one month, there is a high probability that the address book will not be hacked. By the same token, when the borrower is overdue for more than one month, most of the collection personnel will resort to some violent collection methods in order to collect money.

If it's not illegal households due to overdue, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you are not clear, you can check it on: Beijian Quick Check. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

third, how to improve the comprehensive score?

The lack of comprehensive score can be recovered by uploading real information, adding asset certificates, paying off some debts, repaying overdue debts and avoiding repeated applications. The details are as follows.

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.