My loan software can't even get a loan. Is there something wrong with the credit information?

There are dozens of online loans, many of which have been rejected. Can you apply for approval again?

There are so many applications for online loans that it is basically difficult to apply for approval again. Dozens of your 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 take risks to borrow money.

first of all, some online lending platforms are credit-seeking. When you apply for a loan, the online lending platform will conduct your credit inquiry, and the credit report will show the applicant's current liabilities and your basic asset information and other relevant information. Your online loan has been rejected too many times, and the debt ratio must be higher.

On the other hand, even if some other online lending platforms don't provide credit information, they will also use big data. In the era of big data, many online lending companies use big data as a risk control basis to evaluate applicants, so it is difficult to apply for online loans again.

if you apply for too many online loans, it's best not to apply for online loans for nearly four months to six months. Take good care of your credit for a while, and it is not too late to apply after you have taken 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 a credit card, etc.

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

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 aged 19-55; (2) The applicant has a stable occupation and income, and 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 high overdue fees and fancy collection on the platform in serious cases. I've seen pushing the information of arrears to relatives and friends before, and looking for special collectors to collect them at home. The troubled parents 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 applications for loans have been rejected. How to improve

If too many applications for loans lead to the failure of any loans at present, customers are advised not to apply for loans for the time being. Because now customers are likely to have a high debt ratio, and 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 their loans first and pay off their debts slowly; And ensure timely repayment to avoid overdue behavior affecting personal credit. After the debt ratio is reduced and the recent credit history is relatively good, there are not so many loan records and inquiry records, and then apply for a loan, it may be successful.

I suggest that you don't always apply for loans at ordinary times. Many people just apply for loans to meet their own consumption needs. But in this way, not only will individuals bear too much debt; It may affect the approval of loans when money is really needed later. If there are too many loans, and the overdue behavior accidentally occurs, it will also damage personal credit. If there are too many applications for online loans, and the application for online loans is rejected later, 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 you have taken good care of your personal credit. It is best not to apply for online loans for nearly three to six months. If there is a need for funds, it is also suggested to take other measures to solve it, such as finding friends and relatives to turn around and swiping credit cards.

also, the online loans currently in use should be repaid on time to avoid overdue. Otherwise, it will have a very bad influence on personal credit, and then it will affect the application for loans in the future.

in addition, it is suggested to reduce the existing online loans. Don't borrow some online loans after they are paid off, so as to reduce your debt ratio, instead of having more than a dozen or even dozens of online loans borrowing at the same time. In fact, just leave some online loan products with high quota and long term. And this can also reduce the pressure of repayment, and it is not easy to overdue. .

Why are all my online loans rejected?

There are several reasons for the rejection of online loans:

1. Bad credit records on other platforms

Poor personal credit information is an important reason. Now many platforms have large databases, and some institutions that enjoy * * * will query through blacklists. Although borrowers use loans well on lending platforms, they have such bad records on other lending platforms, such as overdue.

2. Insufficient bank flow

If you apply for a loan in a bank, the bank flow is an important reference factor when handling the loan. The bank mainly evaluates your repayment ability according to the flow record to see if you have a stable income. If there is no bank flow or the bank flow is too small, it will cause the loan to fail again.

3. Self-debt ratio is too high

On the basis of not repaying the last loan amount, borrowing again will make self-debt ratio increase continuously, resulting in great repayment pressure. Such an applicant bank is unwilling to issue the loan to you under the comprehensive consideration of repayment.

if the bank financial institution will check the credit information, it is suggested to pay off some debts properly before applying for a loan. if the borrower borrows 1, yuan from the bank, but there is an outstanding loan amount of 6, yuan, when you apply for a loan again, the bank will only issue you a loan amount of 4, yuan at most, and it is best to apply successfully at one time. Otherwise, it will affect the next loan if you leave application records frequently.

Extended information:

If the repayment of online loans is overdue, it will cause the following adverse consequences:

1. Default interest will be charged from the overdue day until the customer pays it off in full. However, the penalty interest rate of many loan platforms will rise higher than the borrowing interest rate. If customers have been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to pay back, 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 access to the central bank's credit information, and may also report the overdue situation to the central bank for credit information, leaving bad information in the customer's personal credit information report, thus causing the customer's personal credit to be damaged.

3. I'm afraid the platform system will conduct risk control on the customer's loan account, and freeze the quota, so that the customer can't borrow any more. At the same time, because the credit is damaged, customers will probably be blocked from borrowing from other lending institutions, platforms or banks. After all, the other party will also check the credit status of customers when approving, and once problems are found, they will naturally refuse to approve loans.

online loan application conditions:

1. online loans will require 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 the applicant's good sesame credit, but different loan products have different standard requirements for sesame credit score. Generally, applicants need to reach about 5% or 6%.

3. Personal credit: Some online loans need to be checked and some don't, but generally speaking, 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 conditions, 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, so you won't lend money for the time being?

because the platform does not allow loans, the number or amount of loans has reached the platform loan limit in a short period of time. Therefore, the platform will no longer open loan services in the short term.

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what should I do if I can't borrow after I have too many platform loans? You can do this

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

Reasons for refusing loans after too many 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 system, and the borrower's loan application records can be found. If you apply for too many loans, it means that the applicant's economic situation is poor and the repayment ability is insufficient. In this case, the lending institutions will refuse their loan requirements for risk consideration.

At present, many platforms give credit lines, and some platforms will ask to check the 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 refuse to lend money if it senses that the borrower is in danger.

If the platform can't borrow money, you can do so.

If you spend a lot of money on online loans, it's best to stop applying for all loans and apply again after six months. Generally, the loan platform only checks the loan frequency in the last three months, so it's not a big problem to raise enough for six months.

During this period, 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 be eliminated. At this time, you can try to increase your personal income, and don't rob Peter to pay Paul, so that your debts will continue to increase.

when making a loan, the lending institution not only looks at the credit information, but also looks at the borrower's repayment ability. In the early stage, if it is impossible to borrow after too many platform loans, its income will increase rapidly in the later stage, and the credit information will remain good, and the lending institution will also review it according to the specific situation.