When applying for a loan, the loan company's audit system will assess the sum of the applicant's scores, if the score is lower than the system's standard value, the loan application will be rejected and prompted a "comprehensive score is insufficient", then you want to continue to loan you must find out why the score is insufficient to solve it! The first thing you need to do is to get your hands on a new one, and you'll be able to do that.
Specific analysis
Some of the reasons for the lack of a comprehensive score:
1, there is an error or inaccuracy in the application data.
When borrowing money, if the application information is filled out incorrectly, it will lead to the lending platform can not confirm whether it is the person who applies for the loan, and naturally will be rejected. In addition, fraudulent behaviors such as stealing other people's identity information and making up work units will also be rejected directly in seconds.
2, the qualification does not meet the borrowing conditions.
Loan platforms generally require applicants to have a stable job and provide proof of income, if there is no job or have a job income is too low, and there is no other proof of financial strength will easily lead to a lack of comprehensive score.
3, have a bad credit history.
Many lending platforms have access to the credit of the People's Bank of China, or credit through the Sesame Credit, if there is a previous bad credit record, the platform once the view of the personal credit, then the comprehensive score is not enough is inevitable.
We usually have to pay attention to personal credit, do not blindly apply for a loan, or once the big data is spent, want to apply for a loan again there will be a comprehensive score is not enough to be refused a loan. You can get a big data report in Bei Tip Quick Check to clearly know your status in terms of online lending big data. The database works with more than 2,000 online lending platforms, and the query is still accurate and comprehensive.
Three, online lending blacklist query system official website query entrance?
To inquire about the blacklist of online lending, it is usually queried at some private query systems and third-party platforms.
There are quite a few private query systems, when choosing to pay more attention, to choose those formal large-scale organizations, the line is generally in the shell tip speed check, small seven letter check, the same shield data of these platforms to do pre-lending audit. Because small organizations are generally less reliable, in the event that personal information is leaked, but also cause security risks.
And if you want to query the central bank credit, then bring your ID card directly to the local central bank credit center to query on the line; you can also go to the local authorized commercial bank outlets to query; or log on to the central bank's official website directly on the computer to query can also be.
Central bank credit and online loan big data is basically not related. If you apply for online loans, the main big data, platform wind control; and apply for bank loans and those access to the central bank credit system of lending institutions, platform loans, is to the borrower's central bank credit report.