What should I do if the credit card comprehensive score is insufficient?

Second, the specific analysis

If the comprehensive score is insufficient, users are advised to suspend the application and not to try to borrow again. Repeated operations can not only make your loan request pass the examination and approval smoothly, but also easily increase the possibility of rejection.

The first thing users should do is to find out what is wrong with personal credit, which will lead to insufficient score (you can directly consult the loan handling bank/lending institution and platform customer service). If the other party is unclear, you can make your own credit report and check your own big data on big data platforms such as Beijian Kuaicha and Winnie Hsin Cha. After finding out the reasons, they can take corresponding measures to solve the existing problems and then try to borrow money.

For example, if you find that there are many debts, it is recommended to pay off the debts under your own name first or as much as possible, and reduce the personal debt ratio before borrowing. Also, if the credit information (big data) has been "spent" because of the existence of multi-head lending, it is recommended to keep it for at least three months before applying for a new loan. After three months have passed, the situation of "spent" big data (credit information) will be improved before borrowing.

And if you find that your personal credit is not good, and big data (credit information) has bad information, for example, you left an overdue record because you didn't repay on time, then you must pay off your debts quickly, and then take the time to patiently maintain your credit, and then borrow it again after the damaged credit is repaired (it is recommended to wait for three to six months).

If you want to query the online loan data report, you can find it in: Beijian Quick Check, and you can view the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonesty information and other data. And the queried data is very accurate and comprehensive.

3. How long does the overdue online loan affect credit reporting?

Overdue credit information of online loans is generally automatically eliminated in 5 years.

1. The overdue records of general online loans are usually counted from the date when overdue debts are paid off, and the credit information system will automatically eliminate them after 5 years.

2. If it is overdue, the overdue record will always be displayed on the credit record. After a long time, it will be considered as unrecoverable money and will become bad debts. Bad debts are other serious credit stains. After paying off the overdue debt, you should contact the lending institution, change the bad debt into overdue, and resume credit investigation five years later.

3. If the overdue records are not caused by the borrower's subjective reasons, for example, the loan platform system does not deduct money when it expires, or the overdue records are caused by the platform's delay in receiving the accounts, the borrower can provide relevant evidence and apply for requesting the loan platform to resume credit investigation.

Manual whitewashing of overdue credit records caused by subjective reasons of borrowers is not supported, so borrowers should not go to online intermediaries that can help repair credit information to avoid being deceived.