How to remedy the cost of online loan credit investigation?

If the credit report becomes "spent" because there are too many clicks on the online loan, it is recommended to do the following if you want to recover: 1After a period of time, don't click on new online loans, so as not to have more loan records on the credit report.

Of course, do not apply for loans from banks or other licensed financial institutions for the time being, as they will also leave relevant records on the credit report. And you need to be careful that it is best to keep at least three months without borrowing. 2.

During the three-month loan suspension period, if there are still a lot of outstanding loans in your name, and it is estimated that the personal debt ratio is not low, you can take advantage of this period to find a way to repay the loan, and if you cannot repay it for a while, try to repay more to reduce the personal debt ratio. 3.After three months have passed, the situation of "spending" credit investigation should be able to improve.

Of course, don't borrow frequently in the future, otherwise the credit may become "flowery" again. Borrowing should be based on actual capital needs and repayment capacity. Note that the credit records on the credit report will not be deleted, and will generally be retained, but the new accumulated records will slowly overwrite the previous records.

The "flower" or "black" of big data refers to the deterioration of one's own network information big data.

Because many people think that online loans do not need to be repaid, some people deliberately do not repay after borrowing, resulting in serious overdue, and finally it becomes what is often referred to as "online black"; There are also people who feel that the online loan application is very convenient, there is no need to call the contact person, and the next payment is fast, so they keep applying, which is easy to lead to big data spent, and when applying for loans and cards in the future, the application can be rejected only by the article "long loan".

Although these are not shown on the credit report, the third-party data platform has recorded these behaviors in the system, and it will be very difficult to apply for an online loan in the future.

Generally speaking, everyone uses the central bank's credit record, and it will leave traces after inquiry. This is not a good situation for borrowers. In addition, most online loans do not have credit records, resulting in credit investigation unable to understand online loan information specifically.

However, you can use "Know Look" to understand personal data, including query records, online loan overdue information, application records, untrustworthy information and online loan blacklists, etc., and there is no query record.

Extended Information: What Are the Consequences of the Online Lending Blacklist?

Being included in the blacklist of online loans has a great impact on daily life, mainly in the following aspects.

1. Car loans and housing loans will be affected.

Once you become an online hacker, you will not be able to apply for a loan at a bank or microfinance institution for at least 5 years, let alone a business loan, a housing loan, and a car loan, all of which will be rejected.

2. Credit card processing is affected.

To apply for a credit card, you need to check your personal credit history, not that you can't apply for a credit card from a certain bank, or that you can't handle a credit card from any bank.

3. Entrepreneurial loans or other preferential treatments.

The blacklist of online loans is not able to enjoy the subsidized loans provided by **, and many economic activities will be restricted, such as bidding, auctions, etc.

That's where big data is spent.

Online loan big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate the loan records of various online lending platforms. Many platforms will use online loan big data as a reference basis when reviewing, and if there are stains on online loan big data, such as overdue or frequent loan application records, then the loan application will be easily rejected.

It is recommended to take good care of your credit and online loan big data, you can try to get a copy of your own online loan big data report on WeChat: "Raindance Quick Check" and other data query platforms to analyze your credit situation.

If you find that the big data of online loans has been hacked, it means that there is a bad record of overdue or frequent loan application recently. If you want to restore big data to normal, it is recommended not to apply for any loans for half a year.

The online loan credit report is spent, which means that you have a record of applying for online loans many times in a short period of time. This problem is not serious, as long as you stop applying for online loans and take a break for a few months, your online loan credit will be restored, and there will be no problem for you to apply for online loans again.

If you want to inquire about online loan credit, you can open WeChat: early knowledge data, get your online loan big 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 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.

This should be caused by your frequent applications in recent times, and the impact of data spending is relatively small, as long as you keep it for a while. Comparatively speaking, the platform will pay more attention to the qualifications of your calls and contacts, and if you don't know about these, it is easy to be rejected. At present, there is no particularly good way, but I heard that people can find quick data query in WeChat.

Don't mess with it for the time being, raise it.

How much impact does online lending have on credit reporting, and what to do if the credit investigation is spent after the deadline, you must understand.

As a result, the credit investigation of online loans is spent, which is usually caused by frequent loan applications in a short period of time. I used to query the details of my online loan big data on Liyou Data***, and I also had this situation of online spending. According to the data report, the current situation of online loans to remedy, first of all, it is best not to have any loan application operations within half a year, let alone the bad behavior of overdue online loans, and then over time, the online loan data will return to normal.

Too many online loans lead to credit spent, which cannot be manually eliminated, and can only be eliminated by itself after 5 years.

If you want to restore credit for frequent online loans, first of all, don't apply for loans, and don't apply for all kinds of credit loans, including housing loans and car loans; Don't check your credit report frequently, personal inquiries are also included in the credit report; Personal credit records will exist for two years, and the previous credit will be covered every two years, and will be eliminated after five years.

Too many online loans lead to credit spent, which cannot be manually eliminated, and can only be eliminated by itself after 5 years.

If you want to restore credit for frequent online loans, first of all, don't apply for loans, and don't apply for all kinds of credit loans, including housing loans and car loans; Don't check your credit report frequently, personal inquiries are also included in the credit report; Personal credit records will exist for two years, and the previous credit will be covered every two years, and will be eliminated after five years.

Too many online loans lead to credit spent, which cannot be manually eliminated, and can only be eliminated by itself after 5 years.

If you want to restore credit for frequent online loans, first of all, don't apply for loans, and don't apply for all kinds of credit loans, including housing loans and car loans; Don't check your credit report frequently, personal inquiries are also included in the credit report; Personal credit records will exist for two years, and the previous credit will be covered every two years, and will be eliminated after five years.

Now many online loans on the market are connected to the People's Bank of China's credit system, after all, the credit information and liability information on the credit information are still very troublesome comprehensive and reliable, so online lending institutions will vigorously carry out lending business while strictly controlling risks, requiring applicants to authorize credit investigation to ensure that funds can be recovered with interest. It's just that many applicants feel that their credit is spent by online loans, what should they do? Let's take a look.

What should I do if my credit is spent by an online loan?

1. Don't apply for a loan or credit card in the short term.

Including applying for opening, activating quotas, borrowing money, etc., these should not be operated, because credit is spent by online loans, mainly because there are too many inquiries with "loan approval" or "credit card approval" as the reason for inquiry, and it seems that you are very short of money, so take it slowly, and do not give online lending institutions the opportunity to authorize the inquiry of personal credit.

2. Try to pay off the arrears that can be repaid.

Including circulation, non-circulation, credit card account Li Xiaodan, etc., some small debts are too much, and they will also make credit spent, such as the number of unsettled accounts is 15, the total credit line is only 30,000, the minimum credit line is 500, and the average credit line is only 2000.

3. An online loan shall not be re-issued within 5 years after it is overdue.

Fortunately, it will not be retained, but from the date of overdue repayment, it can be eliminated in 5 years, so as long as there is no overdue within 5 years, ensure that the repayment is made on time, maintain good credit, and when the time comes, the record is updated, and the credit will naturally become better.