Big Data reviews credit scores, credit problems are sometimes not caused by overdue loans, and a lot of small details not paid attention to can still lead to inadequate credit. There are many factors that affect the overall score: occupation, position, income level, education, marital status, housing status, personal credit history, debt, etc. The higher the total score after these scores are added up, the higher the pass rate for borrowing approval.

Many times the score is too low, it may be that the personal information filled in is incomplete or the data does not match, or it may be that the previous application for loans is too frequent, and in other areas it may be that the debt is too high, the income does not match and so on.

If you encounter a lack of comprehensive score when applying for a loan, you need to check whether there is a problem with the big data of online lending; whether the personal information data is true; whether the loan application is too frequent and so on.