Insufficient comprehensive scores can be restored by uploading true information, adding asset certificates, paying off part of the liabilities, repaying overdue debts, and avoiding repeated applications. The specific instructions are as follows.

1. Upload real information

Before applying for a loan, users must first use their real-name mobile phone number to receive a verification code and register a loan account. When actually applying for a loan, they must You must upload your true and valid information, such as your valid ID card and the bank savings card you use to apply for the loan under your real name, so that the system can confirm that it is the user who is applying for the loan, and thus assess a higher overall score.

2. Add asset certificates

The reason for the insufficient comprehensive score may also be that the user has less asset certificates, which causes the system to determine that the user’s income level cannot repay the loan normally, so before applying for a loan , users can also upload their own asset income certificates, such as salary slips, social security provident fund payment details, real estate certificates, vehicle ownership certificates, etc. Only in this way will the system consider the user's qualifications to be good and assess a higher comprehensive score.

3. Pay off part of the debt

If the user's loan record and credit card record show that the debt is too high, the loan platform will determine that the user's ability to repay debt is limited, resulting in a comprehensive score Insufficient, users should take the initiative to settle some revolving loan and consumer loan products before applying for a loan, so as to reduce the user's debt level and obtain a higher comprehensive score.

4. Repay overdue debts

If the user's loans and credit cards are overdue, they must be repaid in time, and they must not appear again in the next six months to one year. In the case of overdue loans, you can get a higher overall score, but for particularly serious overdue loans, you can only apply for a loan after the 5-year retention period for overdue records in the credit report has passed.

5. Avoid repeated applications

When users need a loan, do not just test the loan limit on different loan platforms. This will leave a record on the credit report. This affects loan approval. Users should understand the differences between loan platforms and choose loan products before applying for a loan. At the same time, they should avoid submitting loan applications repeatedly, so as to obtain a higher overall score.

When applying for online loans, many people were told that they were blacklisted due to insufficient comprehensive scores. If the black account is not caused by overdue payment, other reasons need to be found. For example, if it is due to the high frequency of applying for online loans, you can check what you are unclear about in the "Knowledge Check". As long as you understand the reasons for becoming a black account, you can improve online loan big data according to the situation.

Extended information:

Will your address book be destroyed if an online loan is overdue for one day?

Under normal circumstances, if a borrower's loan is overdue for more than 3 days, someone will start calling for collection.

According to regulations, financial institutions must truthfully send the borrower's loan and repayment records to the central bank's credit center within T 1 day. Therefore, if it exceeds 3 days, the borrower's overdue record will definitely be reported to the credit report, and the financial institution will also start calling collection calls.

However, the start of phone collection does not mean that the borrower's address book will be exposed immediately, as long as the collection staff can contact the borrower, and the borrower has a good repayment attitude and has not been overdue for more than 1 month. If it is 1 month, there is a high probability that the address book will not be exposed. In the same way, when a borrower is overdue for more than one month, most collection agents will use violent collection methods in order to collect payment.