There is indeed a saying about financial packaging, but most of them are unreliable and there are many scams.
Second, the specific analysis
Financial package loans are generally unreliable, especially credit packages are basically scams. No institution has the right to change the data and information in the central bank's credit report. If it's just packaging work, income, running water, etc. There is still a chance to get away with it. However, this kind of packaging company will charge a certain handling fee, and it is unknown whether it can lend money smoothly after packaging.
But it is not recommended that you borrow money through financial packaging. On the one hand, individuals need to bear the packaging fee. On the other hand, whether the loan can be successfully packaged is still unknown. In addition, once banks or formal financial institutions find information fraud, it will seriously affect personal credit.
In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
Third, how to borrow money if big data is not good?
1. In the case of bad big data, it is basically impossible to apply for bank loans and loans for credit investigation. You can only find loan applications that do not check credit information and big data, so it is possible to apply.
2. Stop applying for loans and credit cards; Then pay back the overdue loans and improve your credit information, and big data will get better. Wait a while before applying.
When applying for a loan, you must be careful not to apply for other loans and credit cards frequently. Generally, every application will check your credit information, and every query will be recorded. Once there are many inquiries, your personal credit information will be spent, which is not good for your loan.
4. It should be noted that there are fewer and fewer loan platforms that do not check credit information or big data. Don't fall into a loan platform with high loan interest.