How to recover if the comprehensive evaluation fails?

First of all, it is necessary to find out why the comprehensive evaluation fails, because the comprehensive evaluation does not only look at one aspect, but at many aspects. Only by finding out which factor can it be solved. If we apply for a loan or borrow money again after the settlement, the comprehensive evaluation score will be much higher and the probability of success will be much higher.

Reasons for the failure of comprehensive evaluation:

1. There is a problem with personal credit information. If the loan or credit card is overdue, please pay it off quickly, and then continue to use the credit card to maintain personal credit information data.

2. If the debt ratio is too high, it is generally required that the applicant's debt ratio does not exceed 50%. The main source is the arrears under his name, which can be repaid in time.

3. There are too many inquiry records of card application and loan application, and the credit investigation has been spent. Do not apply for credit cards and loans recently, but keep them for the time being.

4. Personal repayment ability is insufficient, such as unstable work and low income. It is suggested to stabilize work first and find ways to increase income.

In fact, there is no need to worry about the lack of comprehensive points. The correct way is to prescribe the right medicine. If you think you are qualified, you can try another bank, but it is suggested that the interval should not be too close. If your application for a higher-level credit card is rejected, you can try to lower the level of the application card first.

What is the reason why Weibo can't borrow money by line?

When we borrow money from Weibo, we must repay it on time, maintain good credit and repayment ability, and use more Sina products. What is the reason why Weibo can't borrow money by line?

1. Comprehensive evaluation failed: when you apply for a loan from Weibo, the system will review your personal data and credit, and make a comprehensive evaluation to see if you meet the loan criteria. If your qualifications and credit are not good, you may be rejected. Even if you have successfully borrowed many loans before, if your credit is poor, you will be unable to borrow them.

2. Daily loan quota is exhausted: Weibo has a limited daily loan quota. When you apply for a loan and pass the examination, the system will automatically match the lender. If the loan amount has been used up that day, you can only wait until the next day to apply.

3. There is a problem with the lending system: Many users report that sometimes there will be problems with the system, and routine maintenance or sudden failure will make it impossible to unlock it. In this case, you can wait 1-2 hours and apply for a loan after the system returns to normal.

If you can't borrow money when you apply for a loan in Weibo, you can check the problem by comparing the above reasons. If you can't find the reason, you can contact customer service for detailed consultation.

Microfinance can't borrow money. The comprehensive evaluation failed.

Solutions to loan failure after comprehensive evaluation of microfinance are as follows:

1, improve the personal account information of WeChat or QQ, verify the real name, bind the bank card, and ensure the security of the account at the same time, and don't log in frequently in different places;

2. Increase the account activity of WeChat or QQ. WeChat wallet and QQ wallet are usually used for payment, such as daily consumption, mobile phone recharge, living payment, Didi Chuxing and so on.

3. Buy wealth management products on Tencent Wealth Management of WeChat and QQ. Investment and financial management behavior is helpful to improve personal comprehensive credit;

4. Maintain good credit behavior and maintain personal credit information. If you have a bad credit record, it is difficult to pass the loan review of microfinance.

In short, if the comprehensive evaluation of microfinance fails, it is impossible to borrow money. We can improve it from the aspects of account information perfection, account activity, purchasing wealth management products and maintaining personal credit information. When the comprehensive score of microfinance reaches a certain stage, you can borrow money smoothly.

Extended data:

First, how long will the small amount of loans overdue last?

Micro-loans will be submitted to the central bank for credit investigation after three days, with a three-day grace period. If the user pays off the arrears within three days, there will be no impact. However, if the overdue records are not paid off after the grace period, the micro-loan system will upload them to the central bank for credit investigation, which will affect the borrower's credit investigation and take five years to clear. Therefore, users who borrow from micro-loans must repay on time, so as not to affect their personal credit information.

Second, there are three ways to repay small loans:

1. Automatic repayment: You only need to ensure that your repayment bank card (that is, the collection bank card you chose when borrowing) has enough funds to repay the principal and interest due in the current period one day before the agreed repayment date, and the bank will automatically deduct the money in the early morning of the repayment date. If you have registered for WeChat coin purse repayment, if the deduction fails, you will also make a deduction through WeChat change.

2. Advance payment:

You can log on to WeChat, open "I" → → → Micro-loan Loan, enter the personal center and click "Pay off the loan in advance" or "Borrow all" according to the page prompts. Or repay through Weizhong Bank APP: you can log in to Weizhong Bank APP- Micro-loan-prepayment.

Operating environment:

Brand He Hui model: iPhone 13

System version: iOS 15.0

Application version: 8.0. 16

3. Repay the current period manually: If you don't deduct money on the repayment date, you can click the repayment failure notice to repay the current period's arrears manually, or enter "Automatic Repayment Failure" according to the prompt on the page and use your bank card to repay the current period's arrears manually.

Tips: If you have successfully opened the micro card of Weizhong Bank, after ensuring that the micro card has sufficient funds, the automatic repayment of micro loans will be deducted from the micro card first; If you can't repay the loan or want to pay off the loan in advance, you can also choose to use the micro card to repay the loan.

What if the comprehensive evaluation fails?

First of all, we must find out the reasons for the failure of the comprehensive evaluation, because the comprehensive evaluation looks at not only one aspect, but many aspects. Only by finding out which factor can it be solved.

For example, if the credit is not good, and the credit products under his name are overdue recently, which leads to personal credit damage, then the customer can only pay off the arrears quickly, and then take good care of the credit and accumulate good records. After that, personal credit gradually improved, and then apply for a loan.

However, if the recent frequent borrowing leads to long-term borrowing, and the personal debt ratio is too high, then suspend the application first, do not apply for other credit products for the time being, try to pay off the debt under your name or pay off part of it first, and reduce the personal debt ratio before trying to borrow.

What everyone needs to pay attention to is that after the loan is rejected, don't rush to apply again immediately. Frequent application in a short period of time does not increase the chances of loan approval, but it is more likely to be rejected. For customers with insufficient scores, it is safer to wait for 3 months before trying.

If you apply for a loan or loan again after solving the problem, the comprehensive evaluation score will be much higher and the probability of success will be much higher.

Reasons for the failure of comprehensive evaluation:

(1) There is something wrong with personal credit. If the loan or credit card is overdue, please pay it off quickly, and then continue to use the credit card to keep personal credit information data.

② The debt ratio is too high. Generally, the applicant's debt ratio is not more than 50%, and the main source is the debt owed under his name, which can be repaid in time.

(3) There are too many inquiry records about applying for credit cards and loans, and the credit investigation has been spent. Don't apply for credit cards and loans recently, keep them for a while.

(4) Personal repayment ability is insufficient, such as unstable work and low income. It is suggested to stabilize work first and find ways to increase income.

(5) Personal information score is not enough. In the comprehensive evaluation, whether the applicant has certain repayment ability will be judged according to the basic information filled in by the applicant, such as age, work and income. If it is found that the information filled in is fraudulent and inconsistent with the actual situation, it may make the institution think that the lender is fraudulent and prone to fraudulent loans, and it will be rejected in the evaluation to ensure the safety of funds.