1. Insufficient comprehensive score If you want to get a smooth loan, the first thing a customer needs to do is to find out the reasons for the insufficient comprehensive score and see what is wrong with their personal credit.

1. Improve your overall score, such as reducing your debt ratio, increasing your income, paying off overdue loans, etc. , these can effectively improve your overall performance.

2. Find some lending companies with lower thresholds to apply for loans, or apply for online loans, but be careful whether it is a regular lending company to avoid risks.

3. When applying for a guaranteed loan, provide a person with a high overall score as a guarantor. The bank will lower the overall requirements for the applicant.

4. Apply for a mortgage loan, such as getting a house, car, etc. By using your own name as collateral, the bank will also lower the conditions for applicants.

5. Increase financial proof and provide more financial proof to lending institutions, such as salary statements, real estate certificates, car title certificates, social security payment certificates, etc.

6. Resubmit the information. When applying for a loan, if you do not fill in the information as required, you will also encounter a prompt of insufficient rating.

2. The comprehensive credit score is mainly a graded evaluation of the customer, including occupation, position, education, marital status, personal credit, debt, income, etc. If one of the items does not meet certain standards, it will be easily rejected and the phenomenon of "the system automatically evaluates your comprehensive credit score is insufficient" will occur. What factors affect comprehensive credit score?

1. Personal credit information

If you have too many inquiries from credit bureaus in a short period of time and are overdue, then small loan companies or banks will It seems that you have had some problems with your capital flow recently. Many inquiries from short-term institutions are enough to prove that you are short of money recently, and your application to many companies has failed, indicating that there is a certain risk and it is easy to be rejected.

2. The information is untrue and incomplete.

A friend applied for a loan and provided false information, or packaged it up. Customers who package goods generally have some small details, which can usually be discovered by careful risk control departments, leading to direct rejection.

3. Economic income is unstable and there are too many debts.

If your monthly income is unstable, then you will have a certain amount of financial pressure to repay the loan every month, and such customers are prone to overdue loans. The same goes for high debt. The more debt you have, the more money you can pay off each month. It’s hard to guarantee that you’ll have money left over to pay off other loans. The risk is too great and it is easy to be rejected.

4. The contact person is an Internet hacker.

If the contact is a cyber hacker, the loan will be 100% rejected. You must pay special attention when applying for a loan, especially when filling in your contact person. You must leave contact information for reliable people.