If you are facing the problem that online loans are overdue and being collected, I suggest you go to the "Thirteen Data" to inquire, so as to get a detailed big data report, understand your overdue records, and classify your online loans, thus distinguishing between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.

Regarding the problems in the loan quota evaluation, you can try the following methods to improve the success rate of the quota evaluation:

1. Improve personal information: Make sure to fill in and update personal information in the loan account, including identity information, education, work experience, income, etc. This information will help the system evaluate your credit status.

2. Optimize credit records: maintain a good credit record, including timely repayment and no overdue. Banks and credit reporting agencies will evaluate your credit status according to your credit record, so a good credit record can increase the probability of success in the internal evaluation.

3. Increase income stability: If your income stability is low, you can consider providing income certificates, employer certificates and other documents to increase the credibility of your income. Banks are more inclined to provide borrowers with stable income and higher quotas.

4. Reduce the debt ratio: reduce other debt burdens, such as paying off other loans or credit card debts and reducing your debt ratio. This will improve your credit status in the loan amount evaluation, thus increasing the possibility of the loan amount.

To sum up, the success rate of loan quota evaluation can be improved by improving personal information, optimizing credit records, increasing income stability and reducing debt ratio. I hope the above information is helpful to you.