2. Advocating to help you eliminate overdue records, change your credit information, and help you modify your credit information. There were many such advertisements a few years ago, but now they are rare, because most people know that it is a scam now. Credit information is not about who has the right to modify it, but about the people's bank of China. Do you think it is possible for others to modify your credit information and turn you from a black household to a white household?
3, so-and-so advertisement says that you can make the next payment with your ID card, which is just an attractive advertisement. If you really believe in taking an ID card to get a loan, then you are an idiot. Lenders are not fools. Beggars on the street also have ID cards. Will borrowers lend them to them? Any loan, even the simplest loan process, needs to comprehensively examine the personal situation and prove that he has repayment ability. Any loan is lent to collect money. Who will lend it to a person who has no repayment ability?
4. In the name of loan, let you add WeChat or QQ. After adding it, don't ask your personal qualifications, just say to pay the handling fee first, then guarantee the next payment and so on. These are liars. They don't know your situation at all, and they don't know your overdue records, so it's definitely not acceptable to say that they can make a payment. Or, if they simply know your situation, they say that they can make a payment. You know your own situation, and other platforms are not available. If people say they can help you, will you believe it?
5, many loan intermediaries, advocating that so-and-so loans don't have to be repaid, so-and-so loans don't have credit information, etc., are extremely irresponsible. First of all, once any loan is released, it will form a lending relationship. It is natural to pay back the debt, and there is no need to pay back any loan. Otherwise, the borrower is no different from fraud. If the lender can lend you the money, it must have mastered enough information about you. If you don't pay back, people will call you and your address book, which will leave a stain on your credit. These consequences will be borne by yourself. It is estimated that those intermediaries who advocated not paying back before will contact you. Even loans that don't receive credit information now have big data, and many small loans can be displayed on personal big data at meetings. Every day, many people come to me to check big data, and many of them feel that their credit is also very good before. After the investigation, the results are dumbfounded. Some "behaviors" they have done before can be seen at a glance on big data. Borrowing money, they owe people money all their lives, maybe they will find you one day, or find your children in the future, and so on.
6. Many advertisements are now advertised as "interest-free loans", claiming zero interest and so on. Do you think it is possible? Lending institutions are not fools. Is it possible not to charge interest? Don't charge interest for several times, and the handling fee is too high.
7. Many people think that online loans are all usury, which is not necessarily true. You, like you and me, pat and so on, are all formal platforms, and you can't kill online loans with one stick. Internet finance is also the trend of the times. We should rectify small platforms to crack down on usury, not to say that we should crack down on online loans.