If the 360 loan evaluation fails, if it is a credit problem, I am afraid it will not be easy to borrow in a short time. Customers are advised to patiently improve their credit for about three to six months.
However, if it is because of the high debt and frequent borrowing before, leading to long-term borrowing, big data (credit information) has become "spent". It is recommended to keep the loan for at least three months, during which you can repay the debt under your name. After three months, the situation that big data (credit information) is spent will be improved, and the personal debt ratio will be reduced. If you borrow it again then, you may be able to pass the examination and evaluation smoothly.
360 IOU is a personal and microfinance platform under 360 Branch (formerly 360 Finance). It was launched in September 2065438+2006. Based on 360 big data, the credit of customers is evaluated, and instant consumption loans are provided on this basis.
On July 7th, 202 1, the core product of QFIN. US, a financial technology company listed in the United States, has been removed from several application stores. The pre-market decline of the 360 target expanded to 20%.
The advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team.
360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations.
As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, excellent talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.
360 IOUs also actively use modern information technology on the Internet to combine advanced face recognition technology with big data approval model to enhance user experience. The face shooting and comparison process can be completed in 5 seconds without any complicated operation by the customer, and the real identity of the customer can be locked by combining the background face scoring application and other credit reporting methods, which can bring more efficient experience to the customer.
At the same time, 360 IOUs have established strategic cooperative relations with a number of licensed financial institutions.
As one of the largest Internet security companies in China, 360 has a leading high-level security technology team in China. On this basis, a number of senior personnel who have been deeply involved in the financial industry for many years have been introduced from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications and Bank WeChat.
What should I do if the comprehensive evaluation of 360 IOUs is unqualified?
The audit of 360 IOUs failed mainly because everyone's comprehensive score failed to meet the basic requirements of 360 IOUs. The comprehensive score is based on the borrower's credit risk, payment habits and consumption.
There are several reasons why the comprehensive score is not up to standard:
1. The borrower's credit information is not very good, and he has a serious loans overdue record;
2. Everyone has almost no habit of using electronic payment, and 360 IOUs can't find relevant data;
3. The online shopping record is not very good, and there are bad records complained by others.
360 IOU evaluation failed, so it is better to wait 1-2 months and try again. If you are not in a hurry, you can wait 2-3 months before applying. However, while waiting for another application, you'd better insist on the following points:
1. Bind the credit card with Alipay and WeChat, use Alipay and WeChat as much as possible for online and offline consumption, and insist on returning the arrears on time;
2. Apply for a 360 account and install some 360 software on your mobile phone and computer, such as 360 antivirus software and 360 mobile phone housekeeper.
3. Friends who plan to purchase funds and insurance can purchase corresponding products through 360 Finance.
What should I do if the comprehensive evaluation of 360 IOUs is unqualified? How to recover from the lack of comprehensive scores in 360?
Many borrowers will give priority to downloading 360 loan app when choosing loan software. I believe that many users with 360 IOUs will be prompted with "comprehensive evaluation failed" when using 360 IOUs. Many borrowers have consulted. What should I do if the comprehensive evaluation of 360 IOUs is unqualified? How to recover from the lack of comprehensive scores in 360?
What should I do if the comprehensive evaluation of 360 IOUs is unqualified?
The comprehensive evaluation of 360 IOUs is a comprehensive evaluation from the aspects of users' credit information, income and electronic payment. Any one of these dimensions is not up to standard, which may lead to evaluation failure.
When the borrower receives the prompt that the evaluation fails, he can take these measures: 1, and fill in the loan application information again, such as ID number and contact information; 2. Re-face recognition. Failure of face recognition will lead to failure of comprehensive evaluation. Please do face recognition in strong light. 3. Bind a new bank card. It is recommended to bind the bank card of a type of account. At the same time, we should pay attention to the cooperative relationship between banks and 360 Finance, and we must bind the bank card of 360 Financial Cooperative Bank.
How to recover from the lack of comprehensive scores in 360?
Under normal circumstances, most of the reasons for not being evaluated are that the information submitted is incomplete or not completely true, or the borrower's credit information is overdue and the debt is high. As long as we find the reason for the failure of the correct evaluation and take the time to rectify it, we can save it.
For example, if the debt on the credit report is high, the borrower can pay off part of the current loan first, and then re-apply for 360 IOUs; There is a credit stain on the credit report, so you can use more credit cards and repay on time, so that the overdue records can be rolled up.
The above is the related content sharing of "What should I do if the comprehensive evaluation of 360 IOUs fails?". I hope I can help you!
How to recover the comprehensive score of 360 IOUs? From these three aspects.
360 IOU is a formal loan platform under 360 Technology Group, with large amount, fast receipt, no annual fee and routine. Since the lowest annualized interest rate, many friends have been aiming at these characteristics, but when borrowing money, they may be prompted that "comprehensive evaluation failed." So, how to make a comprehensive evaluation? How to recover the comprehensive score of 360 IOUs? Let's take a look together.
How to recover the comprehensive score of 360 IOUs?
The comprehensive score of 360 IOUs failed, and the reasons for the insufficient score are: insufficient personal income, high debt ratio under personal name, and poor lending on other platforms. To find the reasons for the solution, then we will elaborate from these three aspects respectively.
1, personal income is not enough
The platform does not know exactly what the applicant's work income is. It can only be verified from the aspects of consumption behavior and payment habits. Consumer behavior is nothing more than increasing transaction flow. It is best to use credit cards, because credit cards correspond to personal payment habits, that is, spending in advance and repaying on schedule later, which can reflect their credit needs. You know, demand is the premise of everything.
2. There are many debt ratios under the name.
All liabilities under an individual's name, including joint guarantee for others, will be reflected in the credit report. If there are many debt accounts and the amount of liabilities is not small, then the newly applied 360 IOUs may be used to fill other liabilities, and there is a risk of non-repayment. Therefore, reducing the debt in one's name and paying off some small loans that can be paid off as much as possible can restore the comprehensive score of "debt".
3. The lending situation of other platforms is not good.
Mainly refers to the "overdue repayment" records of other platforms. For example, Platform A has two overdue repayment records since 202 1 10, and Platform B has 1 times since 2022, and there is no overdue or overdue at present. Once this overdue situation occurs on other platforms, it can only be overdue. From now on, we can make up for the lost credit by making good use of credit cards or other loans and repaying them in time. Only when the previous overdue records become history can the comprehensive score be restored.
The above is about "How to recover the insufficient comprehensive score of 360 IOUs". It is suggested to improve and maintain good personal comprehensive credit economic behavior to help restore the score.