Contents that affect the comprehensive credit score:
1, personal credit information
If you have too many inquiries from credit reporting agencies in a short period of time and have a long overdue time, then small loan companies or banks will feel that there are some problems with your recent capital flow. There are too many inquiries from short-term institutions, which proves that you are short of money recently, and many companies have failed to apply, indicating that there are certain risks and it is easy to be rejected.
2. The information is untrue and incomplete.
Some friends apply for loans to provide false information or package. Packaged customers generally have some small details, which can be found by careful risk control departments, leading to direct rejection.
3. The economic income is unstable and the debt is too high.
If your monthly income is unstable, then your monthly payment will also have certain economic pressure, and such customers will easily be overdue; The same is true of high debt. It's hard to guarantee that you have any money left to repay other loans. It is too risky and easy to be rejected.
4. The contact person is cyber black.
If the contact is a cyber hacker, the loan of 100% will be rejected. Pay special attention when applying for a loan, especially when filling in the contact person, be sure to leave the contact information of a reliable person.
How to improve the comprehensive credit score;
1 to ensure the integrity and authenticity of the data.
Fill in the application information truthfully and try to fill it completely. If the ID number doesn't match your name, basically you won't go to the next step. In addition, if you need to fill in the contact information, you must communicate with it in advance to prevent information mismatch.
2. Credit evaluation
Never borrowed money or applied for a credit card, which means good credit?
No, such people are called "white households". Because they have no credit history, it is difficult to judge their credit status, so their scores will be greatly reduced. On the contrary, those who borrow money or have credit cards and have no bad overdue will have higher credit branches.
3. Write the telephone number.
When applying for a loan, it is best to fill in the mobile phone number that has been online for more than half a year and has been authenticated by my real name. Pay attention to answering the examiner's phone after applying. If you don't answer a few more times, your score will be lowered.
4. Don't enter the "online loan blacklist"
Some old railways are eager to use money, and they will go to various platforms to apply for a large number of loans, thinking about taking their chances.
The borrower here advises you not to do this, and applying for two or three companies at the same time may increase the loan probability. However, if the number of applications exceeds 5 times a month, it will be regarded as extremely short of money and poor repayment ability by lending institutions, which will greatly reduce the score.
5. The more complete the additional information, the better.
Some loan products will have optional items: real estate, automobile products, insurance policies and other information. Multiple choice questions are not required, but they will improve the comprehensive score. If the required information is not particularly high-quality, such as freelancing, overdue credit card, mobile phone number access time less than 6 months, etc. , you can fill in additional information to make up for it. In short, let the lending institutions believe that you have enough repayment ability.