14 points is really low, the score of the comprehensive score if the score is more than 70 points, it shows that the qualification and credit status of online loan users are relatively good. If the score is low, you can save it in the following ways:

1, Sesame Score: Many small platforms are not connected to the credit system, but they will judge the borrower's credit status through the Sesame Score, so improving the Sesame Score will also help to improve the comprehensive score of big data.

2, bound cell phone number: many platforms are registered and logged in with a cell phone number, which often asks the borrower whether he agrees to access the address book, check the box to agree that the loan is more likely to pass.

3, identity (occupation) authentication: if it is a college student, sure to be rejected, if it is a corporate staff, fill in the work situation, there is a work email and seat will greatly improve the success rate.

4, online shopping account: mainly Taobao and Jingdong account, after the binding can be judged from the borrower's online shopping habits and other borrower qualifications.

5, credit card mailbox: because the bank's approval of credit cards is more strict, so people with credit cards are generally good qualifications, through the credit card mailbox can also see the cardholder's spending habits, there is no overdue.

How long does it take to get back to normal after the online loan big data is broken

1, the online loan is overdue

The online loan big data is broken due to the online loan is overdue, the recovery period is relatively long, after paying off the overdue arrears, you need to wait for about half a year to let the online loan big data can be restored.

2, multiple borrowing

Multiple borrowing, although also resisted by the online lending institutions, but the resistance is far less than the strength of the resistance to the online loan overdue. After multiborrowing, if the monthly application for online loans is controlled to less than five or even three times a month, and then in less than three months, the big data of bad online loans should be able to recover.

3, address book and operators

Address book operators is about six months to update once, if you have these information is at risk, it should be optimized properly, the next time the type of information data update, is when you turn around.

Besides these points, you can also save bad personal online lending big data by controlling your debt ratio and changing your bad spending habits and preferences.