Comprehensive credit scoring is a system that comprehensively evaluates the credit status of individuals or organizations and gives specific numerical scores according to all their credit records. It can cover all kinds of credit loans such as credit cards, mortgages, car loans and loans, as well as other credit behaviors of individuals and enterprises, and provide reference for financial institutions and other relevant departments. Comprehensive credit score greatly affects the borrowing ability, loan interest rate and credit status of individuals and enterprises, so it is extremely important to everyone.

Comprehensive credit score through the continuous collection, sorting and identification of credit data, comprehensive evaluation and comprehensive analysis of various factors, and finally get a comprehensive score. This rating figure is considered as a reflection of the credit status of an individual or an institution and an important basis for judging whether an individual or an institution is trustworthy. The specific scoring and evaluation criteria may vary from country to country, industry and institution, but they have been widely adopted worldwide.

The importance of comprehensive credit score is increasingly prominent, including financial institutions, regulatory authorities, governments and enterprises. At the same time, various countries and regions are constantly strengthening the formulation and improvement of relevant laws and regulations to protect the credit rights and interests of individuals and enterprises. It is very important for individuals to improve their credit score, which can be achieved by timely repayment, avoiding overdue, reducing the debt level and applying for credit in a planned way.