If you want to restore the comprehensive credit score, you must solve all the problems that lead to the lack of comprehensive credit score. For example, if you find overdue credit repayment, you must pay off the overdue debt quickly, and then you need to spend more time patiently accumulating good records. When the new good record gradually covers the old bad record, your personal credit will gradually improve and your comprehensive credit score will rise.

Also, if it is found that the credit information (big data) has become "invalid" due to too many loan records, and individuals have long-term loans, it is recommended not to apply for credit products for the time being, and to keep them for at least three months. After three months, the situation that credit information (big data) becomes "useless" will be improved, which will also help to restore the comprehensive credit score.

Of course, if you have a lot of outstanding credit products under your name, you can also pay them off (or try to pay them back) within this three-month period, so as to reduce the personal debt ratio and help improve the comprehensive credit score.

Please register: Winnie Hsin. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

Extended data:

How to query the comprehensive credit score?

Credit card comprehensive score cannot be queried. Every bank has different scoring standards. Applicants may encounter a lack of comprehensive score in one bank and apply for a credit card and get a gold card with the same information in another bank. In addition, some bank cards are approved by the head office, and some are in local branches. Local policies are even more unpredictable.

Because the credit standards and scoring standards are confidential within the bank, the factors involving risks cannot be announced to the public. Personal credit rating refers to the credit rating of the bank when you apply for a loan from the bank. Every bank has a different rating. The People's Bank of China checks your personal credit report. If your credit is good, it is not overdue.

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What if the credit score is not enough?

Whether applying for a credit card or a bank loan, the bank will make a comprehensive score according to the information provided by the customer and the credit information. If the score is not enough, the credit application will be rejected. Then, if the bank's comprehensive score is insufficient, we can improve it from the following points to improve the score:

1, personal work experience is preferably more than half a year, and state-owned enterprises, institutions and large private enterprises can get extra points;

The higher the salary level, the better. It is best to fill in the pre-tax salary plus various benefits and bonuses;

3. Married marital status, stable fertility;

4. The personal debt ratio should not be too high, and small loans can be repaid;

5. Provide as many financial certificates as possible, and choose a bank with many daily business contacts to apply;

6. Maintain personal credit information without bad behavior records.

What if the credit score is low?

1 The first thing to do is to repair personal credit information. The lack of comprehensive score may be due to too many inquiries and overdue credit information. If there are too many credit inquiries, don't apply for credit products in the near future; Pay it back when it's overdue.

2 to maintain the stability of personal work, for lending institutions, unstable work and low income are very easy to be rejected, because lending institutions will think it is risky to lend money to such people.

When the comprehensive credit score is insufficient, do not apply for a loan again immediately. It is suggested that it can be maintained for a period of time, and then apply for a loan after six months to one year.

First, credit scoring refers to the comprehensive evaluation of the future credit risk of consumers or small and medium-sized enterprises based on past experience by using statistical methods. Credit score must be completely faithful to past experience to predict the future. Credit scoring is mainly used in areas with small credit limit and high investigation cost, such as credit cards. Credit scoring plays a very important role in automatic and batch credit issuance. Personal comprehensive credit score refers to the comprehensive investigation of the internal and external subjective and objective environment that affects individuals and their families by using scientific and rigorous analysis methods, and the comprehensive judgment and evaluation of their ability to fulfill various economic commitments.

Second, the scoring model selects more than forty variables related to personal credit, which are divided into four categories: personal basic information, bank credit information, personal payment information and personal fund status, among which bank credit information accounts for the largest weight, close to 50%, and the other three categories account for roughly the same weight. At present, only 25% of the total population have bank credit records in the database of the credit information system. Because bank credit information is the most important variable affecting personal credit status, for customers without bank credit records, the model selects other variables related to bank credit instead. In the future, with the gradual improvement of data, we will add more variables to the model to continuously improve the accuracy, precision and universality of the model.

What if the comprehensive credit score is insufficient?

When applying for bank credit loans or credit loan products of consumer financial institutions, one of the most common reasons for personal loan failure is the lack of personal comprehensive credit score. So what if the personal comprehensive credit score is insufficient?

1, repair personal credit. The lack of comprehensive score may be due to too many inquiries and overdue credit information. If there are too many credit inquiries, don't apply for credit products in the near future; Pay it back when it's overdue.

2. Keep your job stable. For lending institutions, unstable jobs and low incomes are very easy to be rejected, because lending institutions will think it is risky to lend money to such people.

3. When the comprehensive credit score is judged to be insufficient, don't apply for a loan again immediately. It is suggested that it can be maintained for a period of time, and then apply for a loan after six months to one year.

The above is the introduction of some solutions about how to do with insufficient personal comprehensive credit score, hoping to help everyone.