If the comprehensive score is not enough, you can go to the bank to apply for a loan, or you can apply for several online loans, but the pass rate is very low. You are not advised to try. Borrowing users should understand the reasons for insufficient comprehensive score and solve the problems before applying for loans. Generally, the reasons for insufficient comprehensive score are too many times of personal credit inquiry, too many debts exceeding the borrower's repayment ability, poor credit record of credit inquiry and untrue personal information. I suggest you find your own reasons to improve before applying for a loan, otherwise your comprehensive score will only be worse. After the improvement, we can understand the following formal platforms with lower requirements.

1. Personal comprehensive credit score refers to the comprehensive investigation of the internal and external subjective and objective environment that affects individuals and their families by using scientific and rigorous analysis methods, and the comprehensive judgment and evaluation of their ability to fulfill various economic commitments. According to different applications, credit score can be divided into risk score, income score, responsiveness score, customer churn (loyalty) score, collection score, credit card issuance audit score, mortgage loan issuance audit score, credit line approval score and so on.

2. Comprehensive credit risk score-Pengyuan 800. At the end of April 2005, Pengyuanzheng Letter Co., Ltd. independently developed a personal comprehensive credit risk score-"Pengyuan 800", which officially provided credit rating inquiry service for credit reporting institutions and individuals. "Pengyuan 800" makes a statistical analysis of personal credit information by establishing a mathematical model, predicts the possibility of future default risk, and comprehensively reflects personal credit status with a score. The credit scoring system has six grades, ranging from 320 to 800. Every 80 grades, the personal credit status is quantified in detail, and each score corresponds to a default probability. The higher the score, the lower the risk of default. Graphical representation of rating and default probability: minimum score 320 400 480 560 640 720 800 maximum score +F+E+D+C+B+A+.

3. The scoring model selects more than forty variables related to personal credit, which are divided into four categories: personal basic information, bank credit information, personal payment information and personal fund status. Among them, the weight of bank credit information is the largest, close to 50%, and the other three categories are roughly equal. At present, only 25% of the total population have bank credit records in the database of the credit information system. Because bank credit information is the most important variable affecting personal credit status, for customers without bank credit records, the model selects other variables related to bank credit instead. In the future, with the gradual improvement of data, we will add more variables to the model to continuously improve the accuracy, precision and universality of the model.

How to improve the credit score? Where can I borrow money?

First of all, answer directly.

If the credit score of online loans is always insufficient, it is recommended to suspend the application, and it is difficult to borrow money after frequent operations in a short period of time. You should solve the credit problem first.

Second, the specific analysis

Moreover, it is easy to "spend" big data (credit information) by applying for loans frequently, and there will be long-term lending, which is more likely to be rejected.

It is best not to apply for a new loan for at least three months (if the debt in your name is not low, you can also repay the debt in your name during this period). After that, the "expenditure" of big data (credit information) improved, and the personal debt ratio also decreased, and then applied for a loan. Maybe if the comprehensive evaluation of the system is up to standard, you can get a loan smoothly.

If the credit score is insufficient because of overdue repayment and outstanding debt, you have to pay off the debt quickly and accumulate a good record. When the credit is improved, it is not too late to borrow it again (first, improve the credit for about three to six months, once the credit is damaged, it is difficult to repair it quickly in a short time).

Just check in: Beijian. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. What are the requirements for personal credit loans of banks?

To apply for a personal credit loan in a bank, you need to meet the following conditions.

1. Personal credit loans with good credit information can be applied without providing any collateral, so banks will pay special attention to their credit situation when judging their qualifications, so they need to have good credit information when applying for personal credit loans.

2. A stable source of income is the guarantee of repayment ability, so banks should be assured of their income. The more stable the income, the higher the work income, and it will be easier for banks to apply for personal credit loans.

3. If you apply for a personal credit loan in a bank, your age must meet the requirements of the bank, at least 18. Minors are not allowed to use credit products.

4. To have valid identity information, you need to have valid identity information, provide valid identity certificate and complete real-name authentication, otherwise the bank will directly refuse the loan application.

5. Having the capacity for civil conduct needs to be able to bear full capacity for civil conduct, because banks will be prepared to be unable to repay on time, so they need to be able to bear the relationship between creditor's rights and debts.

6. Not too much debt. If the debt ratio is relatively high, for example, it has exceeded 50%, then banks will worry about repayment ability, feel that there is a great risk of overdue in the future, and will also refuse loan applications.

7. To apply for a personal credit loan in a bank with complete loan information, you need to submit it to the bank for review of income, work, credit information and other information as required.

8. Have a reasonable credit demand. The personal credit loan of the bank has a certain scope of use, and it needs to be borrowed reasonably within the scope permitted by the loan contract. If there are some unreasonable requirements, such as planning to use loans to manage money or buy a house, the loan will not pass.

9. Have certain assets in the bank. Some bank credit loan products are aimed at banks. They need bank loans or pay wages on their behalf. They have some property in the bank and can prove their financial resources to the bank.

10. Meet other requirements of the Bank. For example, some bank credit loan products should also ask the bank's mobile banking users, and even some personal credit loan products have requirements on whether to pay the provident fund. The specific needs shall be subject to the bank regulations.

It can be seen that it is not a simple matter to apply for a personal credit loan in a bank. If you want to get a smooth loan, you must maintain a good personal qualification.

Insufficient credit information, how to get a loan? Teach you a few solutions

; ? Although there are many channels to borrow money now, most of them require borrowers to have good credit reporting and repayment ability. Many people have insufficient credit information and are easily refused loans. If you want to know how to borrow money, here are some suggestions for you. Friends who are in urgent need of capital turnover can come and have a look.

1. Why is my credit information insufficient?

I believe that many people will check the credit information every year, but not everyone knows the above problems, just as many people don't know enough about credit information.

In fact, the lack of credit information includes many aspects. The simplest thing is to have bad credit, such as overdue loans and credit cards that have been processed for credit investigation, or personal debt ratio is relatively high, exceeding 50% of income. There are also white households, who have never done business with banks, have never done credit cards, have never done loans, and have no credit records.

Second, how to borrow money?

The lack of credit information will affect borrowing money, but the credit score is only a scoring standard, which can not play a key decision-making role in borrowing money, nor is it the only way to judge it. To this end, there is a way to borrow money without credit information, provided that the borrowing institution recognizes its repayment ability. You can try this:

1. Handling mortgage loan: providing assets with property rights and values, such as real estate and automobile products, as collateral for the loan, up to about 70% of the assessed value of the collateral. This requirement for credit reporting will be relatively small. As long as it is not too dark, it is possible to succeed. Remember to repay the loan on time after handling, otherwise the collateral may be disposed of.

2. Find someone to borrow * * *: If one person has insufficient credit information and limited repayment ability, two people will have greater repayment ability, less risk of borrowing money and higher success rate. In this form of borrowing money, it is necessary to choose a better qualified primary lender and another as a secondary lender. After the loan is successful, both parties have the obligation to repay the loan.

What if the comprehensive score of the loan is not enough?

1. First, check whether your application materials are wrong or untrue.

When borrowing money, many people accidentally filled in the information. There is one more mobile phone number, one wrong ID number and so on. As a result, the online lending platform cannot confirm whether I am applying for a loan, which will naturally be rejected.

2. Second, see if your qualifications meet the loan conditions.

Compared with bank loans, the threshold of online lending platform loans has been much lower. However, low does not mean that there is no threshold. Small credit loans generally require the lender to have a stable job or income certificate, while high credit loans also require financial certificates such as real estate and automobile production. If you don't have a job or have a job with low income and no other economic proof, it will easily lead to insufficient comprehensive score.

3. Finally, see if you have a bad credit record.

Many online lending platforms are connected to the credit information of the People's Bank of China, or granted credit through Sesame Credit. If there is a bad credit record before, it is inevitable that the comprehensive score is insufficient.

Extended data:

Insufficient comprehensive score is divided into three situations, namely:

1. In view of insufficient credit rating: you need to ensure that your credit record is good and repay your credit card or other loans (including mortgage, car loan and consumer loan) on time at least in the past six months.

Second, the score of information authenticity is missing: just fill in your own real information, including address information, company information, contact information, etc. , can be avoided.

Three. Insufficient credit line scoring: this is mainly because the applicant's income or other conditions are insufficient, which leads to the system's inability to score high credit lines that exceed the lower limit of loan products. Note that some banks' credit reports are uploaded one month later. Remember to wait until the middle of next month to be useful.

References:

Baidu Encyclopedia-Credit Evaluation