1. Before lending, the loan platform usually evaluates the borrower's credit status in various ways, and credit reporting is only one of them.
2. Even if you don't check the credit information, the platform may know the borrower's credit through social accounts, shopping records and other means.
3. The promise of100% approval is probably false, because any loan needs to undergo risk assessment, and no institution can guarantee that the loan application will definitely pass.
4. Be extra careful when you meet such a promise, because it may be a bait for fraud or irregular platforms.
Extended data:
When considering borrowing, it is very important to know the legitimacy and credibility of the borrowing platform. Formal financial institutions or platforms will provide transparent service processes and reasonable charging standards. It is recommended to fully understand and evaluate the platform through official channels or third-party evaluation before borrowing. At the same time, maintaining a good personal credit record is also a key factor to improve the success rate of borrowing.