The reason for the insufficient score is that the user's NetHack index score is low, thus becoming a NetHack blacklisted user.

The net black index score is standardized from 0-100 points, the higher the score, the better the credit, when the score is below 40 points, it becomes a blacklisted online lender.

There are only two conditions that can affect the net black index score, one is applying for too many online loans recently, and the other is having an online loan overdue in the last 3 months.

If you want to restore a normal score, you need to be patient and wait for 3-6 months without applying for an online loan, and your score will slowly return to normal.

Therefore, it is recommended to check your net black index score in time when applying for a long term online loan to prevent slowly applying for an online loan which leads to becoming a blacklisted online lender.

Just open WeChat and search: wood power data. Click on the query, enter the information can query to their own hundred lines of credit data, the data from the country more than 2,000 online lending platforms and the UnionPay Center, the user can query their own big data and credit situation, you can get all kinds of indicators, query to their own personal credit situation, the net black index score, the blacklist situation, the online loan application records, the type of application platforms, whether the late, the amount of the overdue, the credit card and the online loan The credit estimate amount and other important data information.

Compared with the central bank's personal credit report, the atmosphere of the personal credit record is more extensive, and the issuer is more diversified, such as Muli data, Sesame Credit Score, etc., are part of the personal credit record, and overall it is more similar to what the Internet said about the big data credit, which is a useful supplement to the traditional personal credit report.

Currently, the state is building a comprehensive and seamless "credit network" to connect the society, and information **** enjoyment, whether it is the credit report or personal credit record, is an important part of it. Protect your credit, for everyone, credit is the biggest asset and wealth.