The credit repair routine is deep, and there are traps in crowdfunding repayment. Where should online lenders go?

This year, the credit recovery project is very popular, and there are 5-8 such financial intermediaries operating this project in the author's circle of friends.

On the other hand, the current advanced social consumption and high debt ratio are also the adverse consequences of improper use of various cash loans. It is precisely because of this phenomenon that some needs and desires support this market.

Yes, there is demand and there is market. Now there is something wrong with the credit information, which will create a lot of trouble for life. For example, the author has worked as a real estate agent before, and before buying a house, he must verbally ask the customer if he has a bad credit record.

If there is a serious overdue, you can't borrow money to buy a house. I have encountered five such examples, but when most people encounter this phenomenon, they often think about whether they can opportunistically eliminate their bad records through other channels. When they have this idea, the routine has just begun.

0 1. Credit investigation

Maybe follow me on the official WeChat account. Not everyone knows what credit reporting is. Let's start with science.

Credit: Literally, it can be interpreted as your own credibility. Generally, when you borrow money from a formal financial institution, the institution will ask for your consent and consult your personal credit report in the Credit Information Center of the People's Bank of China for evaluation and review. Therefore, credit reporting is an important business card for you to walk in the rivers and lakes.

Credit record: recording an individual's past credit behavior will affect an individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called credit records.

For example, a friend of mine borrowed a loan from Alipay's online merchants, and always borrowed 100-200 yuan, because he didn't know that the loan was for credit investigation. He borrowed 20 loans intermittently and applied for a credit card for a long time, but he couldn't find the reason. Later, when he checked, it turned out to be a credit investigation, and there were 20 records in just one month. It's terrible. This case has certain summary significance. Students try not to step on the pit.

Overdue credit information: Generally, overdue credit information is understood as failure to repay in time, or failure to repay leads to bad personal credit information records. Once there is a bad record, it is difficult to obtain loans from formal financial institutions.

02. Endless online loans and brothers

"Doudou paid 3000, I borrowed 2000 from Ping An, and took a loan of 4000, using Qian Bao 2000. The cash bus only paid 1500 yuan. In addition to these slightly larger amounts, there are only hundreds of small cuts, such as Cao Cao's IOUs, IOUs for you, IOUs for thighs, and so on. All add up to more than a dozen small incision, a total of * *.

Originally living a life of 3. 1, he never thought that his life track would be completely derailed by an online gambling game called "Lost Jiale" and he would fall into the situation of quitting gambling.

Three or five bottles, two fists, is more or less a fate.

Lost music, game hall, China pressure to calm down.

Paralyzed, washed white, the landlord is going to the rooftop.

Baidu cloud, king kong leisure, if you want to see the money of cigarettes.

All kinds of loans, Alipay, are as stable as grave grass.

The word "brother" is the first time the author heard it. Many years ago, when Baidu was a super giant, I was sociable. I often use QQ on my semi-smart phone and Baidu Post Bar to visit Shenzhen, exercise, Yi Lee and gamble. At that time, I was one of the 6 million gambling brothers who ate melons in obscurity.

The initial intention of quitting gambling now is to give gamblers a space for self-examination and encourage each other not to gamble and spread positive energy. For example, his profile will generally say, "Gambling bury the past, strive to achieve the future, and quit gambling together. The cultural atmosphere advocated in the bar has always been a very positive thing: extensive publicity of gambling hazards, exposure of gambling shady, health education and entertainment, mutual encouragement and mutual assistance to quit gambling, and * * * building a spiritual home. There is no limit to gambling at sea, and turning back is the shore!

However, I don't know when the gambling bar fell down and became such a multi-faceted life story of a gambler who lost his life. The decadent world of living by gambling diaries is endless, and of course there are some people who are as eager to eat melons as the author.

Bar owners and bar lineups who quit gambling.

Before the gambling bar closed, there were120,000 bar friends, including high school students, college students and people who had already worked in the society. The cumulative total number of posts exceeds 80 million. What is a big boss worth tens of millions, and which is the chairman of a listed company in Hong Kong? There is only one word here, that is, "betting on dogs" and "betting on dogs" call each other "brothers". Most of them make a living by constantly cutting their mouths, and cyber hackers have long been old friends.

Quit gambling, spiritual leader of 4 million members, a generation of online celebrities. Be honored as "stealing Guevara".

2065438+June 2008, the "Quit Gambling Bar" with more than140,000 users was exposed by the media with a lot of harmful content and bad values. On the evening of June 29th, 20 18, Baidu Post Bar announced that it would suspend its gambling service and clean up harmful content. Illegal and harmful information and behaviors found in the clean-up will be cleaned up and reported according to the requirements of the regulatory authorities. Quit gambling. It's blocked.

Some people say that "it is well sealed to prevent the emergence of multiple brothers", while others say that it is better to quit gambling. The last "lost fisherman" in "The Bar Owner" took money from the dog farm, destroyed the dog farm and harmed the brothers who quit gambling, so the old brothers who lost their homes began to look for new migration places.

Although the gambling bar has been closed.

Most of my brothers are still active in every corner of the Internet. Some of them have been ruined by the bombing of the address book, and they continue to make a living by borrowing and repaying loans with packaged fake materials. Some of them have gradually become the "Three Rivers Gods" in Shenzhen.

Of course, this part of my brother probably never expected to die. After being harvested by online loans, dog agents and dog personnel in Southeast Asia secretly targeted them with various routines, secretly sold them abroad, and started dog pushing in the spinach industry.

Many people also asked me if I could go to Southeast Asia. I have always advised him not to go and not to take any chances. In the end, they will suffer cold years and decades of imprisonment.

There are also some old buddies who realized their mistakes and went ashore through their own continuous efforts. The loan demand also constitutes a small group of people in the credit repair market.

03. Credit repair

"As long as it's not Lao Lai, black households can also wash white!

"Help you eliminate the credit stain, and your credit record is innocent.

"Just 8000 yuan, to help you repair credit, eliminate the stain of your life.

This is the slogan of a financial intermediary in my circle of friends. I think everyone is familiar with it? So the author casually chatted with this intermediary about credit repair.

Of course, the intermediary said that 8000 yuan can be repaired, which is not necessarily the real 8000 yuan. As far as I know, there are tens of thousands. Let's put aside the following conversation, which probably means that they are exploiting some loopholes to clean up the credit information according to the existing rules of the bank.

For example, pretending to be in a coma or sick, to prove to the bank that he is not maliciously in arrears, in order to achieve the purpose of recovering credit. Remember to find an irresistible reason, whether it sounds reasonable or not, but in fact the difficulty coefficient is very large.

It is understood that the real success rate of credit repair at present is less than 1%.

Some bank employees bluntly said: "Our bank has not really eliminated a bad credit record, and the relevant needs have basically been rejected by the branch level.

Another is that the central bank's credit information center has channels. After contacting the so-called credit repair company, the author found that they were not.

Internal and external relations.

Most of the repairs done through internal channels are for you to transfer money directly and then hack it and make a one-time transaction. There is also a saying that you can hack into the central bank's credit information system through technical means to tamper with the data, thus whitewashing your identity. This situation is also a trick to deceive ignorant people. Is the central bank's credit information system really so easy to tamper with? A hacker who can do this. Who did this?

The overwhelming advertisement for credit information repair is just a new scam to cut leeks. Exploited credit finance practitioners and borrowers are all "leeks" in their eyes.

04. The butcher's knife of Credit Information Repair

In fact, credit repair is not the most profitable-the real money is to engage in credit repair training.

The high profits have spawned a group of unscrupulous credit repair trainers, who charge high training fees by pulling agents and WeChat community training.

As soon as the course is over, the students will be blacked out and then the next round of harvesting will be carried out. This way of "cutting leeks" accounts for the income of the ninth layer of the entire industrial chain. Horribly, this method has spread all over the country and formed several major factions. Both financial practitioners who do credit and borrowers who run out of money are their "target users". 05. The trap of crowdfunding owing on the loan

Recently, the life of online loan brother is always a little uneasy. In addition to the pit of credit repair mentioned above, there is also a popular pyramid scheme called crowdfunding repayment.

First of all, after you download this APP, you have to participate in the activities of this APP. First of all, you have to pay 400 yuan's entry fee. After you pay the money, you must get three people, and each of these three people has to pay 400 yuan for this APP. At this time, your participation will be successful.

If all three people pay the money, the APP will return 200 yuan to you per head, and three people will be counted as 600 yuan. Deducting 400 yuan from your initial investment is equivalent to earning 200 yuan, which means that you brought three people to this APP. These three people charged the APP with 1200 yuan, so the APP gave you 200 yuan; If you can't recruit three people, or one of these three people doesn't make money, it's a failure, and your 400 yuan will be confiscated by the APP.

In fact, I won't split this trap, just look at the numbers and patterns on it. It's very simple, that is, take advantage of your psychology of paying back the money by taking shortcuts, and constantly develop the offline. This is the so-called classic Ponzi scheme.

summary

Internet fraud often captures the weakness of human nature. At the beginning of writing the article, the author hoped to do his best to make the unknown things on the internet less, closer to the truth and more risky, even though my information was still an island on the internet and was not discovered by too many people. But I can still feel the good feedback from some readers. Although the future is unknown, it is always interesting.