1, you have to collect money before it starts.
At present, many institutions claim that the loan threshold is very low, no conditions are needed, and the interest rate is low. As long as you pay a certain amount of interest, guarantee fee and relationship fee in advance, you can receive the money immediately.
The other is that fraudsters forge information about the success of loans and send it to applicants. As long as the user pays the handling fee, capital verification fee and deposit, an agreement can be reached.
The behavior of charging fees before lending credit loans is fraud, which only uses various statements to deceive users who don't know the truth. Don't trust others to fall into the fraud trap, which may not only lead to the failure to get loans, but also lead to a large loss of funds.
So ... what kind of loan will have a handling fee before lending?
Some mortgage loans, such as housing mortgage loans, mainly include appraisal fees, attorney fees, insurance fees, mortgage registration fees, notarization fees, etc., which may need to be collected in the early stage. If there is a charge for bank loans, remember to ask for a receipt. Generally speaking, there is no need to charge any fees in the early stage of credit loans. If in doubt, it is recommended not to deal with it easily.
2. Opening strategy of Internet small loans
At present, many large platforms have launched micro-loan products, such as Alipay loan, JD.COM gold bar, WeChat micro-loan, Suning free payment, etc. At present, the most popular credit is open. But this kind of small loan is often invited, and only if you meet their requirements can you qualify for the loan amount. Therefore, many institutions and companies have made bad ideas in this regard, so don't be credulous.
3. Bad credit can be deleted by paying.
Since the implementation of personal credit records in 2004, everyone has borrowed money to pay off debts, performed contracts, and conducted financial business. It has been recorded, even if the internal credit of the bank is tainted, there is no way to modify it, let alone help people delete it.
Now some institutions don't mention that they can help black households with loans, because many people have been fooled, but they will say that they can help you eliminate credit stains. After deleting bad credit, you can apply for a loan anywhere without any obstacles. Many people have been cheated. Therefore, Xi Cai Jun came to popularize science. Bad credit records really can't be eliminated with money.
So, how to get rid of the credit stain without spending money?
1) Pay back the money, continue to use it, and be eliminated naturally after five years (note that it starts after you pay off the money, so pay back the money as soon as possible).
2) You can check the credit report twice a year for free. If there is an error in the credit information, you can raise an objection to the credit information agency and ask for correction.