Why does the online loan platform fail to pass the review and cause me to borrow frequently?

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 restore the 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.

Every time you apply, there will be a credit inquiry record regardless of whether you pass it or not, and too many inquiries on the borrowing platform certainly indicate that you have borrowed frequently recently and are extremely short of money.

You can only do IOUs in this case, how much money do you need?

If you want to successfully land, the borrower has to put in a certain amount of effort, but also pay attention to protect their own interests, not all arrears need to be repaid.

1. Sort out your debts, and refuse to repay if you are illegal. If there is too much arrears, then usually the borrower has applied for loans from multiple institutions at the same time, so for this situation, the borrower needs to sort out his debts, if there are illegal situations such as usury and cut interest in the loan, then the borrower can refuse to repay the extra interest.

2. Make a reasonable repayment plan according to your actual situation. If the borrower owes multiple sums of money at the same time, it is necessary to repay the arrears with higher interest on the credit investigation first, so as to avoid the impact of personal credit investigation due to online loans, and also to avoid more loan interest due to the arrears for a long time;

3. Negotiate with the loan platform. If you encounter difficulties in repayment, you can try to negotiate with the loan platform to repay the loan, pay attention to the sincerity of the negotiation, explain your difficulties with the loan platform, and inform the platform of your repayment plan, so that the lending institution can see your willingness to repay and see if you can negotiate with the platform for an extension, or apply for a reduction or exemption of part of the loan interest;

4. Borrow money from relatives and friends to repay the arrears. In the event that the amount owed is large and the borrower cannot repay it in a short period of time, the borrower can seek the help of relatives and friends to borrow money from relatives and friends to repay the loan, so as to avoid more loan interest caused by the arrears of online loans.

Although it is natural to repay debts, borrowers also need to protect their own interests, to understand the relevant knowledge of online loans, and if they encounter illegal situations, borrowers can protect themselves through the law.

The inability to borrow online loans is due to a combination of reasons, and borrowing too much online loans is only one of the reasons. In other words, a single problem, such as a large number of online loan applications, generally does not affect the application for other online loans. However, if there are too many online loan applications, and the user has a late repayment record and no stable income, it is basically difficult to apply for an online loan again.

The user first ensures that he meets all the application conditions for the online loan, and then submits the loan application, and if he does not meet the application conditions, he will be directly rejected.

There are several reasons why your online loan cannot be approved:

1. Bad credit history: You have overdue online loans in the past, which may have a negative impact on your credit history. Lenders will look at your credit report during review and may reject your application if they find that you have a past due record.

2. The loan limit exceeds your affordability: The lending institution will comprehensively consider your income, debt and other factors to assess your repayment ability during the review. If you borrow more than you can afford, the lender may decide that you can't make the payments on time and reject your application.

3. Bad records of other lending institutions: In addition to your previous overdue records, the lending institutions will also check your borrowing status at other lending institutions. If you have a bad record with other lenders, such as overdue, delinquent, etc., the lender may consider you to be unwillingly willing to repay and reject your application.

4. Incomplete or untrue personal information: The lending institution will verify the authenticity and completeness of the personal information you provide during the review. If the information you provide is incomplete or untrue, the lender may doubt your credit and reject your application.

To increase your chances of passing the review, you can do the following:

1. Improve credit history: pay off previous overdue loans in a timely manner and maintain a good credit record.

2. Reasonable borrowing: Arrange the loan amount reasonably according to your own economic situation to ensure that you can repay the loan on time.

3. Provide true and complete personal information: ensure that the personal information provided is true and complete, so as to increase the possibility of passing the review.

4. Choose the right lending institution: Different lending institutions may have different requirements and review standards for borrowers, so you can try to choose other lending institutions to apply.

Finally, it is recommended that you fully consider your repayment ability and risk tolerance before borrowing a loan to avoid over-borrowing and overdue repayment.

You can click on the query in "Know the Search", and enter the information to query your credit data. The query results will display important data information such as personal credit status, online black index score, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, and estimated credit limit for credit cards and online loans.

There is no overdue, why many online loans are not passed, online loan platforms have their own set of credit information systems and risk control systems, and the results of comprehensive evaluation do not meet their requirements. The loan not only reviews the individual's credit information, not only looks at the individual's overdue record, but also reviews the borrower's willingness to repay and repayment ability. It will be approved according to the borrower's qualifications, and your work unit, age, etc. will affect the approval of online loans.

1. Income is not good: Income is the most important loan application information and the key to ensuring the ability to repay, so the online loan will judge whether to give the amount according to the borrower's income. However, online loans generally do not check bank statements and do not have that authority, so the income is only used as a reference, combined with other information for comprehensive judgment.

2. Bad credit: Some users always think that credit has nothing to do with it, and the occasional one or two overdue times have little impact, in fact, overdue can reflect two problems, one is poor financial status, and capital turnover will not be overdue. The other is that the integrity is not good, there is no awareness of repayment on time, and the habit is overdue.

No matter what the problem is, it will lead to the failure of the online loan.

At present, it is relatively easy to pass the user's loan application for borrowing, 360 IOU, Qianhua, Anyihua, Banyan Loan, Micro Loan, Jingdong Gold Bar, Gome Easy Card, Installment Le, Paipai Loan, Repayment, 58 Good Loan Foreign Money Bank, Enough Flower and Good Loan. However, whether the loan platform ultimately passes the user's loan needs depends on the user's current personal qualifications, the higher the personal qualifications (the higher the education, the more stable the job and income, the better the credit record, and the less debt), the easier it is for the loan platform to pass the user's loan application, and vice versa.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

3. Debt: Even if it is not overdue, but the current debt ratio is too high, it will also lead to the failure of the online loan, because a person's income is limited, and if he is still burdened with debt, then there is not much money available for repayment, so institutions are generally reluctant to give borrowers with high debt ratios too high a quota.

Insufficient credit scores, insufficient information authenticity scores, insufficient quota scores, and too frequent application records.

1. Insufficient credit score, generally speaking, if your online loan credit history has been overdue, delinquent and other bad credit records within half a year, the score in this column of your score will be relatively low, if you have 2 or more overdue records within half a year, then basically you will have no chance with the loan!

2. The authenticity score of the information is insufficient, and it is very important to examine the confirmation of the borrower's information when applying for a loan, and we can preliminarily judge whether the borrower has fraudulent behavior and whether it has the intention of fraudulent loan to ensure the safety of funds. Generally speaking, if the information you fill in when you apply is not true or does not match the information in the relevant database, then it will result in an insufficient score for the authenticity of your information. For example, the borrower's information is incomplete or untrue.

3. Insufficient credit score, what we mean by insufficient credit score mainly refers to the situation of insufficient scoring caused by the fact that the score amount cannot meet the lower limit of a single loan product according to the system budget. Borrowers may not be very clear when applying for loans, some loan products, the conditions are very strict, if you are not clear about your choice before applying, it is very likely that you will not be able to pass the bank's review and be rejected miserably!

4. If the application records are too frequent, the multi-head loan application will also affect the approval result of the loan Zhaochun payment. If you frequently apply for loans on multiple microfinance platforms, then after the bank checks your online loan credit report, you will find that you have too many online loan records, which will make the bank think that you are currently very short of money, and you have not successfully applied because other conditions cannot meet the standards, and the default risk is relatively high!

Further information: Online lending includes individual online lending and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms.

Direct lending on individual online lending platforms falls under the category of private lending, and is regulated by laws and regulations such as the Contract Law, the Civil Law, and the relevant judicial interpretations of the Supreme People's Court. Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs.

The online lending business is supervised by the China Banking Regulatory Commission.