The loan platform 100% passed without checking the credit information.

The review mechanism of loan platforms is different. Some platforms may not need to check the credit report, but this does not mean that all applications can pass 100%. Under normal circumstances, the loan platform will conduct credit risk assessment based on various information of the applicant, including but not limited to income, job stability, repayment ability, etc.

1. First of all, it is the key to understand the auditing standards of loan platforms. Different platforms have different auditing processes and standards. Knowing this information can help you better prepare your application materials.

2. Secondly, provide true and accurate personal information. In the application process, ensure that the information provided is true and reliable, and any false information may lead to the rejection of the application.

3. Furthermore, maintain a stable source of income. Stable income is an important factor for loan platform to evaluate repayment ability. Therefore, showing that your income is stable will help improve the pass rate.

4. Finally, keep a good credit record. Even if you don't check the credit platform, you will evaluate the credit status by other means. Therefore, maintaining good credit habits is very important to improve the success rate of borrowing.

When applying for a loan, in addition to the above points, you can also improve your credit status in some ways. For example, you can learn about your current credit status on the "balloon check", correct your bad habit of applying for a loan, and cover up your past dishonesty with a new good payment record.

Extended data:

Credit records are records of credit behavior and credit status of individuals or enterprises in economic activities, which are usually collected and sorted by credit reporting agencies. A good credit record can make individuals or enterprises gain more trust and opportunities in the financial market, while a bad credit record may lead to the rejection of loan or credit card applications. Therefore, it is very important to know and maintain your credit record. At the same time, different lending platforms may use different technical means to evaluate the applicant's credit risk, including but not limited to data analysis and machine learning. The application of these technologies will help to improve the accuracy and efficiency of auditing.