1. Call the loan company and ask them to stop this behavior.
2. If you don't listen to dissuasion, you can call the police directly, because this behavior is an invasion of citizens' personal privacy and a harassment of citizens' normal work and life. There are already relevant laws to support the case. P2P online lending, or peer-to-peer lending, refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. Second, what should I do if the online loan is not in the address book?
First of all, answer directly.
Under normal circumstances, the borrower loans overdue for more than 3 days, someone will start to collect.
Second, the specific analysis
According to the regulations, financial institutions must truthfully send the borrower's loan and repayment records to the central bank's credit information center within T 1 day. Therefore, after more than 3 days, the borrower's overdue records will definitely be reported to the credit bureau, and financial institutions will also start to collect them.
However, the beginning of telephone collection does not mean that borrowers will immediately come into contact with the address book. As long as the collection staff can contact the borrower, and the borrower has a good repayment attitude, and the overdue time does not exceed 1 month, there is a high probability that the address book will not be contacted. Similarly, when the borrower's overdue time exceeds 1 month, most of the collection personnel will take some violent collection methods in order to collect.
Before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.
Third, how to improve the personal comprehensive score of credit cards?
Insufficient comprehensive scores can be recovered by uploading real information, increasing asset certificates, paying off some debts, repaying overdue debts, avoiding repeated applications, etc. Details are as follows.
1, upload real information
Before applying for a loan, the user must first use his real mobile phone number to receive the verification code and register a loan account. When actually applying for a loan, he must upload his real and effective information, such as his ID card and real-name registration system bank savings card, so that the system can confirm that he is applying for a loan and evaluate a higher comprehensive score.
2. Add an asset certificate
The reason why the comprehensive score is not enough may also be that the user's asset vouchers are few, which leads to the system's uncertainty about the user's income level to repay the loan. Therefore, before applying for a loan, users can also upload their own asset income certificates, such as salary flow, social security accumulation fund deposit details, immovable property certificate, vehicle ownership certificate and so on. , so the system will consider the user's qualification is good and evaluate a higher comprehensive score.
3. Pay off some debts
If the user's loan records and credit card records show that the debt is too high, the loan platform will think that the user's solvency is limited, resulting in insufficient comprehensive score. Users should take the initiative to settle some revolving loans and consumer loan products before applying for loans, so as to reduce the debt level of users and obtain a higher comprehensive score.
4. Repaying overdue debts
If the user's loans and credit cards are overdue, they must be repaid in time and cannot be overdue again in the next six months to 1 year, so as to get a higher comprehensive score. However, if it is particularly overdue, you can only apply for a loan after the five-year retention period recorded in the credit report has passed.
5. Avoid repeated applications.
When users need a loan, don't just test the loan amount on different loan platforms, which will leave a record on the credit report, thus affecting the approval of the loan. Before applying for a loan, users should understand different loan platforms, choose good loan products and avoid submitting loan applications repeatedly, so as to obtain a higher comprehensive score.
I have paid back the online loan, but the loan company actually blew up my address book. what can I do?
1. Call the loan company and ask them to stop this behavior.
2. If you don't listen to dissuasion, you can call the police directly, because this kind of behavior is harassing the normal work and life of citizens, and there are relevant laws to support the case.
Peer-to-peer online lending, or peer-to-peer lending, refers to the sub-category of ITFIN industry in China in 20 12, which is growing rapidly through individuals. So far, there are about 350 active ones, and by the end of April 20 15, the total number has reached 3054.