No. A credit score of 65 points is a basic score. 65 points is a balance standard and a starting value. Therefore, if the credit score is 56 points, you cannot get a loan to buy a house. You can increase the score to 65 points. Credit reporting is a Chinese term that means collecting, sorting, preserving, and processing credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing services such as credit reports, credit evaluations, and credit information consultation to help customers judge and control credit risks. Carry out credit management activities.