I. What does it mean to have an insufficient composite score?

This is the most popular way of credit assessment, mainly based on the borrower's personal information, assets, credit, institutions, consumer spending, etc. to calculate a score, the lending institutions will be set in advance of a passing line, if the borrower's composite score does not qualify, the borrower will be rejected on the basis of the reason of the "composite score is insufficient". The first is to make sure that you have a good understanding of what you are doing and what you are doing.

The comprehensive score will refer to factors such as housing (rental, mortgage, full payment, number of sets, value), work (income, years of experience, unit, position), credit card (bank, amount, consumer repayment status, number of sheets), credit (overdue, credit history, number of inquiries), age, marital status, city and so on, it is very complicated.

Two, the comprehensive score is not enough can also borrow money platform

In fact, each lender's application threshold is different, may use different standards, so you take the same application materials in this institution was rejected, go to another platform may be able to succeed, so you can change more than a few platforms to apply for, here to introduce a few lower threshold borrowing platforms, you can refer to it.

1, any loan. Suning Finance's consumer installment platform, the maximum amount of 300,000 yuan, can be used on a revolving basis, the term can be freely selected in 5, 10, 15 periods.

2, Gomez Easy Card. The borrowing amount is between 500~5000 yuan, no collateral guarantee, the fastest 3 minutes can be disbursed, the term of up to 12 months.

In short, there are many platforms where you can borrow money even if your comprehensive score is insufficient.