In addressing the issue of letters of call, many often focus on the issue of overdue stains. However, another issue of data flowers, which adversely affects letters of call, also deserves attention. The article will provide a detailed analysis of what is a data flower and how to deal with its possible impact。

What does that mean? What are the implications

The so-called letter of call has in fact been used to refer to frequent applications by users for loans in short periods of time. Such behaviour can lead to excessive search records in letters-of-mail reports. Each time a loan application is made, the financial institution asks for a letter of request, and if the number of enquiries is excessive in a short period of time, the financial institution is concerned that the client ' s financial situation is unstable, thereby increasing the risk of lending. As a result, they may choose to refuse to apply for loans。

In order to avoid the problem of letter collections, it is recommended that the number of monthly letter queries be kept under control. In general, it is advisable to have no more than three inquiries per month and no more than five inquiries per month, which would significantly affect the outcome of the loan application. If the problem of data collection has arisen, as long as there is restraint in the following six months and the number of applications for loans is reduced, the letter-taking records will gradually recover。

In addition to the letter flowers that arise from frequent applications for loans, there is also a situation where the data in the letter report are not ideal. Much of this is due to the frequent use of loans by users and the excessive number of loan products in their names, which has resulted in an overall decline in qualifications. In such a case, the financial institution may consider the user ' s ability to repay the loan to be limited, thereby rejecting a new loan application。

To improve this situation, users can reduce the debt ratio by controlling the frequency of loans and clearing outstanding amounts. In addition, the loan accounts that had been closed should be written off in a timely manner, thereby enhancing the overall qualifications. These steps have helped to increase the pass rate for loan approval。

It should be noted, however, that the qualification process is only one of the many factors affecting the approval of loans. Problems in other areas, such as insufficient or unstable income, may also lead to rejection of loan applications. It was therefore particularly important to improve their financial health in a comprehensive manner。