For users with insufficient comprehensive scores, it will indeed affect their loan applications to a certain extent. But it doesn't mean that there is no chance to borrow books if the comprehensive score is not enough. In recent years, with the development of internet finance, some innovative credit evaluation methods have gradually emerged, such as evaluation models based on big data and artificial intelligence. These models can evaluate the credit status of borrowers more comprehensively and accurately, so they can give some users with insufficient comprehensive scores the opportunity to borrow money. In addition, some P2P platforms will also observe and support users with bad credit. If the user performs well for a long time, the platform will gradually improve the user's credit limit and credit rating. If your comprehensive score is not high enough, it is recommended that you check your credit report online before the loan to see if the relevant information is wrong. For example, whether someone maliciously stole your identity information and so on. If no problems are found in the credit report, but the comprehensive score is still not high, you can also try to initiate a loan request to a small P2P platform to find "small but beautiful" opportunities in the Internet financial market. However, we must be cautious about risks and avoid usury and suspected fraud. Finally, cyber-hacking usually refers to users who fail to repay their loans on time or have bad behaviors, and these users are easily classified as cyber hackers. I suggest you check yourself before you borrow money to judge whether you are a cyber hacker.