The recovery of credit score depends on the following conditions, as follows:

1. If the comprehensive score is insufficient due to overdue credit records of users, it usually takes at least 5 years to recover, and on the premise of paying off overdue debts, once overdue credit records are generated, they can only be automatically cleared after 5 years, and cannot be deleted manually;

2. If the comprehensive score is insufficient because the mobile phone number provided at the time of loan is not real-name authentication, or the loan application materials are incomplete, the application materials are false, the personal debt ratio is too low, and the repayment ability is insufficient, you can reapply for the loan only by solving the problem.

insufficient comprehensive score refers to the fact that the total score of the user's current credit conditions is not up to standard, which simply means that the user does not have the song of loan application. Comprehensive evaluation score is a quantitative evaluation of the qualification of loan applicants. The comprehensive evaluation is influenced by many factors, such as the user's personal credit record, the user's income, repayment ability, personal debt ratio, loan application and credit card application, etc., which will lead to the user's insufficient comprehensive score, which means that the user cannot handle various credit businesses at present.