1. Positive answer
Insufficient loan comprehensive score means that the comprehensive evaluation made by the bank when applying for a loan does not meet the relevant conditions. The comprehensive score is the amount of the institution's comprehensive personal credit and Judgment and evaluation of internal and external factors such as liabilities.
2. Specific analysis
There is no way to apply for a loan if the comprehensive score is insufficient. The comprehensive score is a comprehensive judgment and evaluation of its ability to fulfill various economic commitments.
There are many factors in the comprehensive score, including marital status, technical title, job, financial ability, personal housing, credit record, and education, etc.
If a borrower applies for loans too frequently or performs loan operations too frequently, it will increase personal credit risk. You can check the personal credit risk index at: Beijian Quick Check. The higher the risk score, the more likely the application is to be rejected.
3. Which online loan big data query platform is accurate?
If you want to query online loan big data, you usually query it on some private query systems and third-party platforms.
There are many private query systems. You should pay more attention when choosing. Choose those formal and large-scale institutions. In the industry, they usually include Beijian Sucha, Xiaoqixincha, and Tongdun Data. A platform for pre-loan review. Because small institutions are generally unreliable, if personal information is leaked, it will cause security risks.
If you want to check the central bank's credit report, just bring your ID card to the local central bank credit report center to check; you can also go to a local authorized commercial bank branch to check; or log in directly on the computer You can also check on the official website of the central bank.
The central bank’s credit reporting and online loan big data are basically unrelated. When applying for online loans, the main focus is on big data and platform risk control; when applying for bank loans and loans from lending institutions and platforms that are connected to the central bank's credit system, the main focus is the borrower's central bank credit report.