Insufficient comprehensive score means that the total score of the user's current credit conditions does not meet the standard. Simply put, it means that the user does not have the ability to apply for a loan. The comprehensive evaluation score is a quantitative assessment of the loan applicant's qualifications. How to restore an insufficient personal credit score?

How to restore an insufficient personal credit score?

1. If the comprehensive score is insufficient because the user has overdue credit records, it usually takes at least 5 years. It can be restored only after paying off the overdue debt. Once the overdue credit record is generated, it can only be automatically cleared after 5 years and cannot be deleted manually;

2. If it is due to a loan The mobile phone number provided is not a real-name authentication or the loan application information is incomplete, the application information is false, the personal debt ratio is too low, the repayment ability is insufficient, etc., resulting in insufficient comprehensive score, then you only need to solve the problem and you can reapply. Got a loan.

3. If your credit score is insufficient due to excessive debt or frequent debt, you can try to repay the loan you have borrowed and apply for a new loan after a period of time. Be careful not to apply too frequently. In addition, maintaining a stable job and income means that the source of repayment is guaranteed and the risk of payment interruption is small. Lending institutions will believe that you have the ability to repay and improve your overall score.

The comprehensive evaluation score is affected by many factors, such as the user's personal credit record, the user's income flow, repayment ability, personal debt ratio, loan application status, credit card application status, etc., which will lead to insufficient user comprehensive score. , insufficient comprehensive score means that users are currently unable to handle various credit services.

The above is an introduction to several ways to recover an insufficient personal credit score. I hope it will be helpful.