1. Positive answer
Insufficient comprehensive scores can be restored by uploading true information, adding asset certificates, paying off part of the liabilities, repaying overdue debts, and avoiding repeated applications. The specific instructions are as follows .
2. Specific analysis
1. Upload real information
Before applying for a loan, users must first use their real-name mobile phone number to receive a verification code. When registering a loan account, when actually applying for a loan, you must upload your true and valid information, such as your valid ID card and the bank savings card you use to apply for the loan under your real name, so that the system can confirm that it is the user who is applying for the loan, and thus give you a higher rating overall rating.
2. Add asset certificates
The reason for the insufficient comprehensive score may also be that the user has less asset certificates, which causes the system to determine that the user’s income level cannot repay the loan normally, so before applying for a loan , users can also upload their own asset income certificates, such as salary slips, social security provident fund payment details, real estate certificates, vehicle ownership certificates, etc. Only in this way will the system consider the user's qualifications to be good and assess a higher comprehensive score.
3. Pay off part of the debt
If the user's loan record and credit card record show that the debt is too high, the loan platform will determine that the user's ability to repay debt is limited, resulting in a comprehensive score Insufficient, users should take the initiative to settle some revolving loan and consumer loan products before applying for a loan, so as to reduce the user's debt level and obtain a higher comprehensive score.
4. Repay overdue debts
If the user's loans and credit cards are overdue, they must be repaid in time, and they must not appear again in the next six months to one year. In the case of overdue loans, you can get a higher overall score, but for particularly serious overdue loans, you can only apply for a loan after the 5-year retention period for overdue records in the credit report has passed.
5. Avoid repeated applications
When users need a loan, do not just test the loan limit on different loan platforms. This will leave a record on the credit report. This affects loan approval. Users should understand the differences between loan platforms and choose loan products before applying for a loan. At the same time, they should avoid submitting loan applications repeatedly, so as to obtain a higher overall score.
Just search: Beijian Quick Check. Click Query and enter information to query your own Baihang credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Query your personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information.
3. How to negotiate and resolve overdue online loans?
After the online loan is overdue, if you want to negotiate a slow repayment, you can contact the platform personnel directly.
After contacting you, first explain your intention, then explain your situation clearly, and provide relevant information to prove that you did not intentionally fail to repay the debt, but that you really do not have the ability to repay. Then you can make a decision based on your own Propose a good repayment plan based on your financial situation, apply for an extension of the repayment period, and repay the debt in installments.
The loan platform should consider it as appropriate. If it can finally agree, then it will only need to repay the debt on time and in installments according to the agreed new repayment plan. If the negotiation fails, you can also adjust the repayment plan and try to negotiate a few more times.
If you really can’t negotiate, you can only find another way. For example, you can borrow money from relatives and friends around you to raise funds to repay the debt. Everyone needs to be aware that if you find that the interest rates charged by a loan platform are too high, you can actually collect evidence to report the platform.