The failure of comprehensive evaluation usually refers to that when an individual applies for a loan, credit card or other credit products, due to factors such as credit history, income, job stability and liabilities, it cannot be approved or the amount is reduced. Faced with this situation, the following are some possible solutions:

Understand the reasons: first of all, we need to understand the specific reasons for the failure of comprehensive evaluation. Most financial institutions will provide detailed credit reports and scores, as well as reasons for refusing loans or reducing the amount. Read this information carefully and know where you need to improve.

Perfecting credit records: If the comprehensive evaluation fails due to poor credit records, credit records can be improved by timely repayment, debt relief and elimination of bad debts. At the same time, try to reduce the number of inquiries, because each inquiry will have a certain impact on the credit record.

Increase income and assets: income and assets are one of the important factors for financial institutions to evaluate credit risk. If the income is unstable or the debt is too high, the comprehensive evaluation may fail. In this case, you can try to increase your income, reduce your debt or increase your assets to improve your credit score.

Change the application channels: Different financial institutions have different requirements for borrowers. You can choose the financial institutions and products that suit you when applying for loans or credit cards. At the same time, we can consider changing the application channels, such as online application or direct application at the bank counter, to improve the success rate of application.

Help: If the comprehensive evaluation fails due to some uncontrollable factors, such as unemployment and illness, you can try to communicate with financial institutions and explain the situation in order to obtain more relaxed loan conditions or extend the repayment period.

In short, in the face of the failure of comprehensive evaluation, we should carefully analyze the reasons and take corresponding measures to improve it. At the same time, we should pay attention to the maintenance and protection of personal credit records to avoid the impact of bad credit records on personal credit scores and loan applications.