What should I do if I have applied for too many online loans and have overdue ones, and now my appli

The reason why the online loan application is always rejected is that its own online black index score has become low, and it has become an online loan blacklist, so it will naturally fail to pass the review of the online loan platform.

If you want to return to a normal online black index score, you need to wait patiently for 1-3 months not to apply for an online loan in order to slowly return to normal.

When applying for an online loan, you must pay attention to your online black index score to prevent you from becoming an online loan blacklist because of blind application.

You only need to open WeChat and search: Muli data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as Muli data, sesame credit scores, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth.

You have spent big data, and you have not repaid the online loan on time.

In fact, after 315 this year, many non-compliant online loan products have been removed from the shelves, and at present, the products that can provide loans for everyone are extremely strict in the review of users, so it is easy to be rejected if the big data is not good. In this case, either you will pay off the arrears and improve the qualifications of big data, or you will find a good way to make the next payment.

Most online loans require the borrower to be over 18 years old, have a mobile phone number with real-name authentication for more than half a year, and have a good Sesame Credit score and personal credit.

If the borrower does not meet the mandatory requirements, it will naturally be ruthlessly rejected by the lender.

Although some friends apply for small loans that cannot be checked for credit, the actual loan records will be recorded in the online loan big data.

If the borrower often fails to repay the loan on time, or the frequency of loan application is too frequent recently, it will leave a stain in the network big data, and the risk control data will show that your overdue risk is high, and the lending institution will refuse to apply for the loan in order to control the risk.

When applying for online loan products, you need to fill in the relevant certification information and loan purpose, and the more complete and true the loan information, the higher the loan approval rate and loan amount.

On the contrary, if the information is omitted or there is a suspicion of falsification, the loan will be considered as a "fraudulent loan", and the application will not only be refused, but also pulled into the online loan blacklist.

If the credit investigation (big data) becomes "spent" due to too many loan records, then temporarily keep it for at least three months after that and do not apply for new loans (and can take advantage of this period to repay the outstanding loans under your name), and after three months have passed, the situation of credit investigation (big data) "spent" should be improved.

Now is the era of credit, once there is a stain on credit, many things will be difficult to move forward. As the source of big data, once the big data is chaotic, it will be included in the credit high risk, which will affect credit reporting and life restrictions. People who don't understand credit investigation and big data can view their credit data in "Blue Ice Data" in order to understand their credit data, loan records and risk profile.

It is recommended that you pay attention to protecting your big data credit records.

Extended Information: How long does it take to apply for a loan after applying for a loan in seconds?

If you frequently apply for a loan and are rejected in seconds, you should wait 3 to 6 months before applying.

Because if it is due to frequent borrowing that leads to big data or credit "spending" and long lending, it can be repaired during this period.

During this period, no new credit products will be applied, and attention should be paid to repaying the outstanding credit products on time, reducing the personal debt ratio, and the situation of big data (credit investigation) will be improved.

And if there is an overdue record in Xiaoqi Xincha (big data) and your personal credit is not good, you can also take advantage of this period to maintain your credit.

After this period of time has passed, a new and good record has been accumulated, and the personal credit level has improved, the chances of approval will be greater if you go to apply for a loan at that time.

It is also necessary to note that if the loan is still rejected later, do not rush to re-apply on Mahuji, you can continue to maintain personal good credit and wait for a period of time before applying, so as not to have frequent loan rejections.

Coordinates Xi'an, financial loan manager, the brother reform bureau will be rejected if the application is too frequent, which is often referred to as credit information, and there are many inquiries.

What does it mean that a person frequently applies for loans in the short term, especially online loans with very low amounts?

It means that the person is short of money, and he is very short of money, and when a person is very short of money, it means that his economy is in trouble, and his income is not guaranteed.

Who would lend money to someone who doesn't have a good income and can't guarantee that they will repay on time?

In fact, if you have not started to contact online loans, or when you have just contacted online loans, you can easily connect with the bank to envy the loan, with a high amount and low interest.

When the online loan is used more and more, the interest is rolled, and the loan is used to support the loan, the credit is already rotten, and at this time, looking for a loan institution, although it can still connect with the bank, but the cost will increase. This is several times lower than the interest rate of online loans.

When you continue to use online loans, once you start to overdue, you will basically have no way back. Unless you have a car and a house in your name as a mortgage, it is difficult to handle.

<> the rejection of an online loan, the specific reasons can be ascertained and the symptoms can be resolved.

2. The personal debt ratio is too high, resulting in second rejection. In this case, you can only pass by paying off the loan and then applying for a network model loan again.

3. There are too many overdue times in the credit record. The approval process of online loans still pays more attention to the individual's past credit history. In this case, you can only wait for the credit record update to be eliminated before trying to apply.

4. Lending institutions inquire about credit records too many times. If you often apply for online loans, your credit record will be checked too many times, and the online lender will consider whether you have the ability to repay. In this case, it is recommended not to apply for a loan within three months, and then try to apply for an online loan after three months.

5. If you do not have real estate, car loans, credit cards, social security, provident fund, etc., and the online lending institution does not have enough information to determine that you have the ability to repay, it will be rejected in seconds.

6. Every credit card in the credit record shows that it is maxed out, which will be recognized as a high-risk group, and will not lend for the sake of risk control.

Hello, according to the questions you asked: If your online loan application is frequently rejected, it may be due to the following reasons:1

Too many applications: If you frequently apply for multiple online loan platforms in a short period of time, the bank or third-party platform may think that you are at risk of over-borrowing and reject your application. 2.

Bad personal credit history: If your personal credit history has a bad record such as overdue, arrears, default, etc., the bank or third-party platform may consider your repayment ability to be at risk and reject your application. 3.

Incomplete or inaccurate personal information: If your personal information is incomplete or inaccurate, the bank or third-party platform may not be able to confirm your identity and credit history and thus reject your application. 4.

Application limit is too high: If your application limit is too high and exceeds the scope of your repayment ability and credit history, the bank or third-party platform may consider your repayment ability to be at risk and reject your application. In order to avoid frequent rejection of your application, it is recommended that you:

5.Plan your borrowing wisely and avoid frequent applications and over-indebtedness. 6.

Maintain a good personal credit record and avoid bad records such as overdue, arrears, and defaults. 7.Provide accurate and complete personal information and information to ensure that the bank or third-party platform can confirm your identity and credit history.

8.According to Xiaoqiao's own repayment ability and credit history, choose the loan amount and term reasonably to avoid applying for too high a loan.

1. There are too many queries. Under normal circumstances, the number of normal credit inquiries cannot exceed 3 times in 1 month, 5 times in 3 months, and 8 times in half a year, otherwise there are too many hard inquiries such as loan approval, credit card approval, guarantee qualification review, etc., which will give the online loan platform a feeling of being very short of money, so as to think that the user's loan is risky and refuse to approve the loan.

2. Insufficient repayment ability. There are two aspects to look at here, one is that the income is too low, and the other is that the debt is too high. For example, the credit card that has not been paid off on the credit report, the loan arrears are excessive, the monthly repayment amount exceeds 50% of the monthly income, and the daily life needs to be maintained, so there is definitely no extra money to repay the online loan on time and in full.

Therefore, lenders will certainly not easily agree to approve loans for such users.

How can I not pass the online loan if I have not overdue? All online loans are not approved for reasons such as these things.

3. The overall score is too low. Each online lending platform has a special risk control system, which will conduct a comprehensive evaluation based on the application materials submitted by users, as well as historical borrowing and repayment records, performance status, etc. If the account is too active, or if you always choose to repay early, then the user's overall rating will be lowered, which will lead to the loan being rejected.

4. The total credit line is too high. The new regulations have already imposed restrictions on the amount of Internet loans, and the credit limit of personal credit loans for consumption by a single household shall not exceed 200,000 yuan. If the borrower's total credit line is higher than the rolling search, it means that the loan risk is high, and the lending institution will not agree to approve the loan.

Online lending institutions will comprehensively review the user's credit qualifications, and if the credit qualifications are poor, they will not be able to pass the loan review. There is no overdue record in the credit report, which only indicates that the user's credit report is good, and does not mean that the user's credit qualification conditions are excellent.

In addition, different online loan application conditions and review standards are different, and users pass the review of all online loans, so the reason is basically in the loan conditions.

1. Control the frequency of your application, and reduce the number of times you apply for credit cards or bank loans in the next 3-6 months;

2. Cancel some credit cards that are not commonly used, and spend more on the remaining credit cards, and cover the bad records with good credit records;

3. You can also settle some loans in advance to reduce your personal debt ratio and reduce the number of online loan applications.