1. Answer positively

The comprehensive score mentioned in the loan process actually refers to the comprehensive credit status of the loan applicant. It is the personal credit rating of the applicant based on the relevant scoring standards by the lending institution. Information, personal income, etc. are quantitatively analyzed and finally expressed in the form of scores.

2. Specific analysis

There are many reasons for insufficient comprehensive loan scores, such as excessive credit reporting, too many hard inquiry agencies, or credit reporting being compromised, such as too many loans within six months. It was overdue for more than 90 days; the personal information filled in was not true, and the bank statements were not timely; the mobile phone number was not authenticated for more than half a year; online loan applications were frequent, for example, I applied for more than 10 online loan products in one month.

If the comprehensive loan score is insufficient, how long it takes to recover depends on the reason for the deficiency.

If there is an overdue record in the credit report, it will take at least two years after the overdue loan is settled for the negative impact of the overdue record to be reduced, and it will take five years for the overdue record to disappear.

If the personal information is not complete enough, you can directly change the information or reprint the bank statement, which takes a very short time.

If it is because there are too many hard inquiry records on the credit report and you frequently apply for online loans, you will generally stop applying for various loans, do not apply for credit cards, and do not check your credit report yourself. After half a year, your credit report will be bad. Almost recovered.

How long does it take to maintain a loan with insufficient comprehensive score? It is still necessary to take appropriate measures to solve the problem. Do not blindly apply for various loans when the score is insufficient, which will affect the score.

You can clearly understand your own big data problems on: Xiaoqixincha. It is an efficient, accurate and complete big data system that cooperates with more than 2,000 online lending platforms to provide accurate and comprehensive data.

3. How to check online loan big data?

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. The industry generally includes 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.