The comprehensive score is just a scoring standard and does not mean that the credit report is bad. The comprehensive score is evaluated by the bank based on various aspects of the customer, including marital status, occupation, income level, assets, liabilities, education, personal credit history, etc. Insufficient comprehensive score means that the comprehensive evaluation score based on your own situation does not meet the bank's standards. There is no fixed recovery time for insufficient comprehensive evaluation scores. Applicants need to find out the reasons for insufficient comprehensive evaluation scores, and they can only be restored after improvements are made.