First of all, keep a good repayment record.

2. Control the credit card usage limit within 50%. If there is a large demand, call the bank applicant in advance to apply for a large consumption installment quota. At the same time, the use of credit cards should conform to consumption scenarios, and small-scale scattered multi-scenario applications should be avoided, and credit card funds should be avoided for investment and operation.

Third, avoid frequently inquiring about credit information through financial institutions (the number of inquiries in the last 3-6 months is generally more than 3 times/month, which can be regarded as frequent inquiry about credit information). The inquiry about credit information here generally refers to credit card approval inquiry, loan approval inquiry and guarantee qualification examination inquiry.

Fourth, other ways and means can consult professionals around you or professional credit managers of local banks.

1. What do you mean the comprehensive score is not enough?

When applying for a loan, the lending institution will quantitatively analyze the loan information submitted by the loan applicant from multiple dimensions such as the applicant's credit status, work situation, income source, debt ratio, educational background and information authenticity. , and expressed in the form of scores, which will automatically score the applicants. If the score is not enough, the loan will be rejected.

Insufficient comprehensive score, generally there are the following situations:

1. Insufficient credit rating: the credit rating of the loan applicant has overdue records and secured loans, which may lead to poor credit rating and insufficient rating, which may affect the loan.

2. Insufficient credit rating: Some loan products have strict requirements. If the credit rating cannot reach the lower limit of the loan product, there will be insufficient credit rating.

3. Insufficient income score: the loan applicant does not have a stable job or income source, and his salary is low, which leads to insufficient repayment ability, and his income score is difficult to meet the requirements of the lending institution.

4. Insufficient information authenticity score: the loan information provided by the loan applicant is untrue, or it can't match the information in the relevant database, so the loan can't be successfully made.

5. Too many credit approval records: If the loan applicant applies for multiple credit products, resulting in too many records of loan approval inquiry and credit card approval inquiry, the lending institution will feel that the applicant is short of money, tight cash flow and high risk in loans overdue, so it is unwilling to issue loans.

The comprehensive score of loan applicants is insufficient, that is to say, the requirements of lending institutions cannot be met, and lending institutions are unwilling to lend, but this is not completely impossible. The loan applicant can try to reduce the loan amount and see if the application can be successful.

Second, is the lack of comprehensive score a blacklist?

Insufficient comprehensive score can only temporarily prevent loans, and cannot be said to be blacklisted. Loan applicants can improve their qualifications and improve their comprehensive scores, or they can try to apply for another loan product, because different loan products have different qualifications for borrowers. Generally speaking, the credit information of loan applicants has been overdue for three consecutive years in the past two years, which belongs to the blacklist of credit information and cannot apply for various credit products. However, online lending big data generally has overdue records or long-term loans. Only in this case can it be blacklisted.