The comprehensive evaluation items include the applicant's credit status, property status, economic status, personal income level and previous loan records. , and then quantify the score for each evaluation. The final comprehensive score meets the requirements, that is, the comprehensive evaluation is passed, and you can apply for a loan or credit card; If the final evaluation result does not meet the requirements, that is, the comprehensive evaluation is unqualified, the credit card or loan application will be rejected.
It is not advisable to apply for the same loan product repeatedly in a short period of time, which is not only not conducive to passing the comprehensive evaluation, but also will ruin personal credit information.
What are the reasons for the failure of comprehensive evaluation?
The reasons why the loan failed the comprehensive evaluation are: the applicant's age does not meet the requirements; Alipay account is not authenticated by real name; Alipay account status is abnormal; The applicant's personal credit is bad, for example, Sesame Credit has a record of default, and personal credit information has an overdue record; Personal debt ratio is too high; Users are unable to repay the principal and interest.