1, if the credit score is insufficient, the borrower can make loan repayments on time in the last six months, and making repayments on time can improve credit.

2, if the score is insufficient because of the authenticity of the application information, the borrower can fill in his real information when applying to ensure that the information is true and effective.

3, if the rating is insufficient because of the quota, the borrower can increase the frequency of use, so that the system can calculate the lower limit of the loan product with a high quota.

4, if it is because the application is too frequent to appear insufficient rating, the borrower should pay attention to the number of times they apply, if they have applied for a lot, it is recommended to pipe down and apply again in a month.

I, Introduction:

Comprehensive scoring method is the first respectively according to the evaluation criteria of different indicators of the evaluation of each evaluation index, and then use the weighted sum to obtain the total score, this kind of method is used for the evaluation of the indicators can not be quantitative analysis of occasions with a uniform outline, and the use of dimensionless scores for the comprehensive evaluation.

The order is as follows:

1. Determine the evaluation project, that is, which indicators to take this method of evaluation.

2, the development of evaluation levels and standards. First of all, the development of a unified evaluation of the evaluation of indicators or score range, and then develop a standard for each evaluation of each level of indicators, in order to score master. This standard, generally a combination of qualitative and quantitative, may also be quantitative-based, can also be qualitative-based, depending on the circumstances.

3, the development of the rating scale. The content includes all the evaluation indicators and their level of distinction and scoring, the format is shown in the table below:

4, according to the indicators and levels of assessment of the score value. Evaluator to collect and indicators of information related to the evaluation object scoring, fill in the form. The method of scoring, generally the first to make a grade judgment on the achievement of a particular indicator, and then further refinement, a specific score within the range of scores of this grade. This is often to make side-by-side comparisons of different evaluation objects.

5, data processing and evaluation.

(1) Determine the score of each individual evaluation index.

(2) Calculate the composite score of each group and the total score of the evaluation object.

(3) Application of evaluation results. The composite score of each evaluation object will be utilized according to the originally determined evaluation purpose.

Three, "insufficient composite score" generally refers to insufficient credit card composite score. The main reason for this is that your workplace, and the credit rating you provide, is not enough. The broadband charges as well as the telephone charges have not been included in the central bank's personal comprehensive creditworthiness network for the time being. But it will be added soon. If you want to apply for a credit card, you'd better read the instructions carefully and fill out the form, and provide some valuable credit information.