1, and immediately settle overdue debts.
After the online loan is overdue, the overdue funds should be settled as soon as possible. On the one hand, it can stop the penalty interest, on the other hand, it can prevent personal credit from continuing to be damaged.
If you are temporarily unable to pay off, you can find friends and relatives to turn around, or sell your assets appropriately to pay off your debts. In short, the sooner the reconciliation, the better.
2. Find out the reasons for overdue.
After clearing overdue debts, users need to know the reasons for overdue in time. For overdue records not caused by your own fault, you can apply to the organization for objection to eliminate such overdue records.
If the platform deduction system is abnormal, resulting in overdue deduction failure, the user can provide a bank account to prove that the balance in the card is sufficient on the deduction date and can appeal.
3. Improve credit information.
Overdue records will be kept in the People's Bank of China for 5 years, and cannot be manually modified without special reasons.
If the overdue situation is serious, we can only collect credit information slowly by time, and we need to maintain timely and full repayment, and slowly cover the previous bad overdue records with new repayment records.
4. Don't borrow long. On the one hand, multi-position borrowing will lead to an increase in the debt ratio of users, and on the other hand, it will lead to an increase in hard query records of users. For this kind of behavior, financial institutions will generally refuse, and they will think that users are hungry for funds and have insufficient repayment ability, thus reducing the credit score of users on the platform, which is not conducive to the handling of credit business.
5. Keep your account active.
At present, many Internet giants have their own credit reporting agencies, which have great influence in private credit reporting agencies. Many online lending platforms will refer to the data of these institutions when approving loans, such as Sesame Credit of Alipay and Tencent Credit Information of Tencent. If users are overdue on these platforms, in addition to maintaining timely repayment, they also need to keep their accounts active. They can spend more shopping on the platform every day and participate in the activities launched by the platform, which can improve the credit score of users on the platform and make online lending big data better.
6. Enhance economic strength.
After the user's economic strength goes up, the repayment ability will naturally increase and the loan risk will be relatively small.
For users with higher income, financial institutions prefer it. Under other conditions, the credit rating of the platform is often higher.
You can get the online loan big data report from Xiaoqi Credit Information, which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.
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What should I do if more and more online loans are overdue?
If there is more debt after the online loan is overdue, the borrower should find ways to pay it off as soon as possible, otherwise it will only generate more debt. After all, if you don't pay off the loan in one day, you will continue to charge penalty interest, and some platforms will even charge a lot more than the normal loan interest rate.
Moreover, if it is delayed, the repayment burden of the borrower will become heavier and heavier.
If it is not clear for a while, you can also pay it back slowly, bit by bit. At least let the platform know that you have the idea of sincere repayment, rather than directly avoiding it. Otherwise, the platform may sue if it sees that it cannot receive the money.
If it is really unable to repay, the borrower can actually take the initiative to contact the platform customer service to explain that he is temporarily unable to repay, and try to apply for an extension of the repayment period and repay the arrears in installments.
Of course, if you have no money, it is also a way to borrow money from relatives and friends around you to raise funds to repay the arrears.
When the arrears are paid off and the follow-up funds are sufficient, you can return the money to your relatives and friends.