1. Insufficient credit score. Bad credit record: Personal credit report has multiple overdue, delinquent and other bad credit records (mainly within the past six months); Credit report flower: Credit report "hard inquiry" Too much, and very little lending, and the institution will think the borrower is in poor financial shape. Solution: Make sure your personal credit record is good, and repay credit cards and other loans (including housing loans, car loans, and consumer loans) on time for at least the past six months.
2. The information authenticity score is insufficient. The information filled in when applying for a loan is untrue or does not match the relevant database information. The required fields of the application form are not filled in. The ID card does not meet the "my second-generation ID card" Conditions, work inability/address book/emergency contact, etc. are suspected of fraud, and bank statements are not timely and authentic. Solution: fill in true personal information when applying for a loan, including address, unit, contact person, etc.
3. Insufficient quota score. According to system speculation and calculation, the score cannot meet the lower limit of the quota of a single loan product. Solution: Avoid the situation where the applicant’s bill consumption or other conditions are insufficient.
4. There is a problem with the mobile phone. The mobile phone is not my real-name authentication or the authentication time is less than 6 months. The mobile phone belongs to an abnormal place. The mobile phone number is not my own. For example: I work in Beijing, but my mobile phone number and the mobile phone number of my colleagues belong to me. The location shows a remote mountainous area. Solution: Make sure the mobile phone belongs to you and has been used for more than 6 months.