What should I do if I fail to pass the 360 ??comprehensive evaluation and cannot borrow money?

The reason why I cannot apply for a loan temporarily is because the applicant has not passed the 360 ??loan evaluation and cannot borrow money from 360 IOU. . When applying for a 360 IOU, 360 IOU will evaluate the applicant based on the applicant's credit, income, and debt situation. If the applicant fails the evaluation, he or she will not be able to apply for a loan through 360 IOU. Failure to pass the comprehensive evaluation of 1360 IOUs may be due to excessive personal debt. You can pay off loans from other platforms as soon as possible to reduce your personal debt ratio;

2. Be sure to complete your personal information when applying again;

3 Increase bank flow and let 360 IOU think you have enough repayment ability.

Based on the above, when the comprehensive evaluation of 360 IOU fails, there is no need to worry too much. Find out the reasons for the failure and solve the problem from the source.

The failure of the 360 ??IOU comprehensive evaluation means that the system conducts a comprehensive evaluation on the borrower, and the borrower receives a prompt that it is temporarily unable to apply for a loan. If you encounter this situation, it is mainly related to the following four reasons:

1. The loan does not meet the lending conditions: for example, the loan amount is too large, the loan period is too long, the borrower has a record of early repayment, etc. , are all ineligible for 360 loan conditions.

2. The credit report has overdue records: 360 IOU requires authorization to query the personal credit report when applying. If the borrower's credit report has bad credit records, such as overdue loans or overdue credit cards, Then 360 IOU believes that lending money to customers is risky.

3. There are restrictions on the binding amount of bank cards: an error will occur when lending more than RMB 10,000 from a bank card for a second-category account, and an error will occur when lending more than RMB 1,000 from a bank card for a third-category account. Therefore, after the system reviews the bank card, it will give an evaluation of failed comprehensive evaluation.

4. Failure to fill in the loan information truthfully: In addition to basic personal information, you also need to fill in contact information when applying for a loan. During the review of 360 IOUs, if it is found that the borrower's information is incorrectly filled in or the authenticity of the information cannot be verified, the borrower will not pass the system evaluation.

It should be noted that when applying for a 360 IOU loan, it is best not to apply too frequently. It is best to wait 2-3 months before making a second application. What should everyone do while waiting? Here, Mr. Xicai recommends that everyone strive to do three things well.

1. Pay attention to protecting personal credit

360 IOU is a platform that pays great attention to the borrower's personal credit. Therefore, if you want to pass the review next time you apply, you must work hard to protect your personal credit while waiting, and do not have overdue loans or overdue credit cards at any financial institution. In addition, everyone also needs to pay attention to paying water, electricity, gas, heating, taxes, etc. in a timely manner.

2. Maintain a stable income

Whether you are an office worker, a freelancer, or a business owner, you must pay attention to maintaining a stable income. Only stable income can be recognized by 360 IOU as having sufficient repayment ability. Therefore, everyone should not choose to change jobs easily. In addition, if there is an opportunity for you to increase your income, then actively participate.

3. Control liabilities

In order to successfully pass the assessment next time, everyone should pay attention to controlling their liabilities. In addition, you can wait until some arrears are due before applying for a 360 IOU. Is there a problem with the credit report if the 360 ??comprehensive evaluation fails?

Not necessarily. There may be problems with the credit report if the comprehensive evaluation fails, but other aspects will also affect the approval result, such as the applicant's age, identity, occupation, Repayment ability, credit report, liabilities, etc. In terms of age, loans are mainly open to people aged 18 to 55 years old; in terms of status, college students are not allowed to apply for loans; in terms of occupation, people with unstable income or high-risk occupations have difficulty in passing loan approval; in terms of repayment ability, people with a monthly income of less than 2,000 Difficulty getting a loan; high accumulated debt on credit cards and loans will also affect your loan, even if there is no past due record. In summary, failure to pass the comprehensive assessment does not necessarily mean there is a problem with the credit report. You can log in to the official website of the Credit Reference Center of the People's Bank of China to check your personal credit record.

After eliminating the reasons for credit reporting, you can pay attention to whether there are any problems with age, identity, occupation, repayment ability, credit reporting, liabilities, etc.

1. What happens if the comprehensive evaluation of 360 IOU fails? 360 comprehensive evaluation of IOUs is a comprehensive evaluation based on the user's credit situation, income situation and electronic payment situation. Failure to meet the standards in any of these dimensions may result in failure in the evaluation. It is recommended to apply again after 1-2 months. "360 IOU has its own professional financial and technical team, which will use 360 ??credit big data and facial recognition and other leading technologies to conduct comprehensive user credit assessments. In addition, 360 IOU will cooperate with Jinshang Consumer Finance Company in the fields of data, credit reporting, risk control and other business areas. Carry out close cooperation to provide users with safe consumer credit services. According to the early public information of 360 IOU, 360 IOU combines credit investigation and risk control to give users different credit lines. The current limit range is 1,000 yuan-200,000. Yuan.

2. What are the reasons for failing the comprehensive evaluation?

1. The credit report is not good: The 360 ??IOU itself is subject to a credit report. Of course, the applicant’s creditworthiness is compared. Therefore, if there are stains on the credit report, it will be easily rejected.

2. Instable income: If during the review process, it is learned that the user's job is unstable or his income is not enough to pay the repayment. , then due to risk considerations, you will naturally not be allowed to pass.

3. Other reasons: During the application process, if there is an error in the ID card information, the contact information and face recognition cannot be verified. Authentication failure, bank card binding errors, etc. will cause the evaluation to fail. If the 360 ??IOU fails to pass the review, will there be any impact if the personal information is uploaded?

This will not have much impact, but your I am afraid that personal information has been leaked because he has not passed the review, but your information has been uploaded. What should I do if the 360 ??IOU fails to pass the comprehensive evaluation?

The 360 ??IOU shows that the comprehensive evaluation has not passed, indicating that the loan application is temporarily suspended. Meet the loan conditions of the system. The main reasons for the failure of the comprehensive evaluation of 360 IOUs are as follows:

1. The ID number is incorrectly filled in: Borrowing from 360 IOUs requires the establishment of a formal loan contract. If the ID number is filled in Error, then the system will make an error when verifying the identity information.

2. The contact information cannot be verified: In order to ensure the security of Shenren’s account, a common contact will be added as an emergency safety contact during the application process. If you cannot call the number when verifying the contact, the certification may fail.

Don’t be discouraged if you fail the first review. However, you can apply again after a while. It is recommended to do these things for a while:

1. Bind your credit card to Alipay and WeChat, try to use Alipay and WeChat for online and offline purchases, and repay on time.

2. Increase. Make your own bank account turnover look more impressive

3. Use 360 ??series products on computers and mobile phones, and purchase 360 ??financial products appropriately.