There is a problem with credit reporting, which platform can I borrow money from

Generally, credit investigation is spent on borrowing, and most of the money is considered by lending institutions to be relatively tight and the ability to repay is insufficient, so it is difficult to approve the loan.

Because most of the credit investigation is due to the fact that there are too many loans and credit card applications, or because the credit investigation is checked for the guarantee of others.

Therefore, what the borrower needs to do is to prove that the borrowing risk is low, and he can start by increasing his income or reducing his debt, and then choose the appropriate loan type and loan channel.

Here there are two different lending methods based on different qualifications of borrowers.

1. Borrowers with assets in their names.

If you have a house or car with circulating value under your name, you can go to the bank to apply for a mortgage, and calculate it according to the amount that can be borrowed up to 80% of the appraised value of the collateral, as long as the appraised value of the collateral is more than 10,000 yuan, there is no problem with a general loan of 100,000 yuan, provided that the borrower's income is stable and there is no serious bad record.

2. Borrowers who are not collateralized by assets.

It is recommended to go to the online borrowing platform to apply for pure credit loans, such as 360 IOUs, Du Xiaoman, Borrow, Jingdong Gold Bars, etc., which can provide a loan amount of up to 200,000 yuan.

It may be that one platform can't borrow 100,000 at a time, so borrow a little from multiple platforms to make up, but it should be noted that the application time should not be too concentrated in one time period.

When applying for an online loan, if you have overdue or multiple platform loan records, your information will be analyzed by big data risk control. If you keep being rejected, it can even lead to the closure of accounts such as Huabei. If there is an abnormality in your online black data, you can obtain your big data and credit status by looking for "Songguocha".

In addition, the query can obtain important data information such as your personal credit status, blacklist status, application platform type, overdue status, overdue amount, and whether there are arbitration cases.

Extended information: Credit information is spent**Can you borrow money urgently?

If the credit investigation is "spent" and you want to borrow money urgently, it is recommended to go to the following operations.

1. Find an online loan platform that is not connected to the central bank's credit system to apply for a loan, because there is no access to credit, so the main thing to check when approving is big data, how to credit will not have much impact on this, as long as the borrower's big data is good, there is still a chance to borrow.

And you need to pay attention to it, you must confirm that the platform you are looking for is legitimate, and you will not charge high interest fees in violation of regulations to borrow, so as not to be deceived.

2. Try to borrow money from close relatives and friends to raise funds, borrowing money from relatives and friends is more negotiable than taking out a loan, and generally no interest charges will be charged.

3. If you don't need funds urgently, you can postpone the application and keep at least three months without borrowing new loans, so as to improve the situation of credit investigation and "spending".

After three months, you can try to apply for a loan from a bank or other licensed financial institution, and the chance of approval will be higher.

The main types of borrowing platforms that are easy to pass without looking at credit information are as follows: 1. Anyihua. After using the blind household, the household can make an installment consumer loan within the limit.

2. Little elk. Don't look at the credit information, review in seconds, approve in seconds, and make payments in seconds. Quota:

1000-5000 yuan. 3. Provincial. An ultra-low interest rate installment repayment liquid of the golden hand preparation and financing product, with fast evaluation and review.

4. People's livelihood loans. Loans can be disbursed on the same day of approval. 5. Wheat loans.

The online loan platform that does not look at credit information provides you with two products: flash loan and large amount loan. 6. Star money bag. Don't look at the credit information, the application threshold for office workers is low, and students are approved in seconds.

The following platforms can apply for loans:

1. Rich Money: Rich Spend is a credit service product under it, which has a good reputation and a relatively fast lending speed. It can meet the daily borrowing needs, and it is very convenient to borrow if you want.

The maximum amount is 200,000 yuan, and the average daily interest of 10,000 yuan for 1 year is started. The better the credit, the lower the interest rate.

2. Borrowing: Borrowing is a pure credit loan product launched in Alipay, Alipay, based on the consumption of Alipay users and the repayment can be issued, ordinary users have a sesame score of more than 600 points to have the opportunity to apply for opening, according to the sesame score, the loan amount is 10-300,000, the lowest daily interest, the loan term is 12 periods, support borrowing and repayment, and it has been a conscientious loan platform.

3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched Huanbei products in 2016. The major shareholder is Focus Media, a listed company (****:

4. WeLoan: WeBank's first Internet bank under Tencent, whose products include micro-loans, micro-car loans, etc., and is committed to providing fast financial services for small enterprises and individual consumer groups.

5. Paipai Loan: Founded in 2007, Paipai is a P2P financial platform listed on the New York ** Stock Exchange. Paipai loan products are mainly divided into loose and rainbow labels.

At present, it provides users with a credit loan with a maximum loan amount of 200,000 yuan, and a monthly loan interest rate of about 1%. Users can choose the right loan product according to their needs.

Nowadays, loans have requirements for credit reporting, which makes many people with bad credit very worried that they will not be able to get by. In fact, if the credit is not good, it also depends on the degree, and there are many loan platforms that can borrow money if they are overdue. If you want to know that you can borrow money quickly if you don't have good credit for urgent money, you can take a look at several platforms with loose thresholds and high payment rates listed in this article.

2022 easy loan platform

1. Zhongyuan Consumer Finance: Zhongyuan Consumer Finance is a better platform for borrowing money, there are examples of overdue non-credit black accounts, the borrower has a sesame score of 600 and above, has a well-used credit card, and can apply if it meets the basic loan requirements. There is no return visit to the whole process of the system, and it will arrive on the same day as soon as possible.

2. China Post Wallet Quick Loan: China Post Consumer Finance Credit Loan, the old platform has been good, and occasionally relaxed, there is no special requirement for borrowing Fusun Yinren, meet the basic conditions, credit and repayment ability to pass the customs, there is an overdue credit is not very bad You can try, as long as you can withdraw the amount of cash will not be too much of a problem.

3. Yixiang Hua Kai Zhao: It is also a credit loan platform that has been online for a long time, non-student users have a real-name mobile phone number for more than 6 months, and can provide ID cards and bank cards to try.

4. Suning capricious loan: credit loan with a relatively high lending rate, mainly for users with credit cards, you can try it if the credit investigation is not serious, with a maximum limit of 50,000 yuan, which is suitable for long-term capital turnover. If you have paid capriciously before, it will not affect the application, and the quota of the two products will not be shared, and there will be no conflict and lack of office.

Generally, the loan products that do not look at credit information are online loans, such as cash bus, Jiufu Wan Card, installment, etc., all of which do not look at credit information. There are also online loan products that only need a mobile phone number and ID card to apply.

In addition to the above, there are also China Post cash loans, borrowing, Zhaolian good term loans, lightning leasebacks, fruit loans, lightning treasure loans, two good goods, high money, fast gold, paipai loans, Cao Cao loans, lack of money, borrow money quickly, atomic loans and so on.

Credit reporting is the activity of collecting, sorting, storing, and processing the credit information of natural persons, legal persons, and other organizations in accordance with law, and providing services such as credit reports and credit assessments, to help customers judge and control credit risks, and to conduct credit management. Credit reporting is a professional and independent third-party agency that establishes credit files for individuals or enterprises, and provides a platform for credit information sharing for professional credit institutions.

Extended Information: Credit Classification:

According to the business model, it can be divided into two categories: enterprise credit and personal credit: first, enterprise credit is mainly an institution that collects enterprise credit information and production enterprise credit products; Second, personal credit reporting is mainly an institution that collects personal credit information and produces personal credit products. There are three main business models for credit bureaus in the United States:

a. Capital market credit rating institutions, whose evaluation objects are **, bonds and large-scale infrastructure projects; b. Commercial market appraisal agencies, also known as enterprise credit service companies, whose assessment objects are all kinds of large and medium-sized enterprises; c. Personal consumer market assessment institutions, whose credit reporting targets are individual consumers.

According to the service object, it can be divided into credit information, commercial credit, employment credit and other credit. First of all, the main service object of credit investigation is financial institutions, providing support for credit decision-making; secondly, the main service object of commercial credit is wholesalers or retailers, providing support for credit sales decisions; Finally, the main service object of employment credit is the employer, providing support for the employer's employment decision-making.

According to the scope of credit reporting, it can be divided into regional credit, domestic credit, transnational credit, etc. Domestic credit reporting is one of the most institutional forms in the world at present, especially in recent years, countries that have opened credit reporting agencies generally adopt this form.

If you have a problem with credit information, you can also borrow money out of the platform

1. Micro loans. WeLoan is a microfinance product under WeBank, and users can find the entrance to WeLoan in their personal wallets. The maximum credit line reaches 200,000 yuan, which can meet the borrowing needs of most users.

2. Zhaolian good term loan. Zhaolian Good Futures Loan is a personal credit product of Zhaolian Consumer Finance, which cooperates with Alipay, and users need to provide their own sesame credit score, which needs to meet more than 600 points. The maximum credit line that can be provided by Zhaolian Good Term Loan is 200,000 yuan.

3. Provincial. Shengbei is developed by Shenzhen Wuyu Technology and will be launched in 2020. Its main advantages are that it is unsecured, unsecured, and the application fee is low. The maximum amount is 200,000 yuan, and the minimum annualized interest rate is from, and the interest rate of borrowing 1,000 yuan per day is only yuan.

IOUs. The maximum borrowing amount for a 360 IOU is $200,500. The approval is fast and the arrival is fast.

It is known that it has the lowest daily interest fee, that is, the interest on a loan of 1,000 yuan per day is less than three cents. Overall, the interest rate is still relatively low.