What should I do if the comprehensive score of the auction loan is insufficient?

What's the matter with the pat generation's current quota being insufficient and temporarily unable to borrow money?

If there is a loan amount, when the IOU is signed, the comprehensive score of 10 1057 is insufficient, and the loan cannot be made for the time being. In fact, this means being rejected. If it is the first time to apply for a loan, it is still very stable, and basically you can successfully apply for the next payment. If the subsequent repayment is normal, it will resume online in real time. When the subsequent lines are re-borrowed, the employer will also conduct a second audit of the customer's qualifications. Once the customer's qualification fails to meet the standard in the second audit, it may be rejected, and a prompt that 10 1057 is insufficient in comprehensive score will be displayed, and the loan cannot be granted temporarily.

If there is a loan amount, the comprehensive score of 10 1057 is insufficient, and the loan cannot be made temporarily. In fact, this is largely due to credit reporting. In the subsequent loan, the platform will check the customer's credit information again. If the credit information is not good or there is an overdue record at present, the loan application will basically be rejected. If the credit information is good, or the credit information shows that you have the qualifications of credit card, mortgage and provident fund for normal use, then the success rate of borrowing will be much higher. Recently, the loan auction has been opened again. There are still many customers who see the next one, and customers who meet the qualification standards can also try it.

What is the reason why the comprehensive score of the auction loan is not enough?

Paipai Loan is an Internet financing loan platform approved by the government. Because of its fast loan, high loan amount and flexible repayment method, it is deeply loved by users who need funds.

Loan auction is to evaluate the loanable amount according to the applicant's comprehensive score. Comprehensive score is to evaluate the applicant's personal information, bank flow, credit information, salary and income level, payment list, transaction records and other aspects of economic strength.

If you apply for a loan, but the actual comprehensive score is insufficient, you may be affected by the following reasons:

1, check whether the personal information is complete, and whether the contact information, electronic information and other contents are true and can be contacted;

2. Whether there were credit card loans or micro-loans before, and the overdue times exceeded 3 times, and the overdue amount was too large;

3. The salary certificate provided is insufficient to cover the monthly repayment amount of the loan amount;

4. There are not many times to use Alipay to pay for consumption, and no relevant consumption data can be found on the online consumption platform.

There are many factors that affect the insufficient comprehensive score of the auction loan. If you want to improve your comprehensive score, you can also do the opposite from the above reasons, improve your bank running water and consumption proof strength, and gradually improve your comprehensive score.

How can I get a loan if my comprehensive score is not enough?

When the score is insufficient, you can check the reasons for the deficiency and correct it, and then you can apply for a loan. The following is the solution when the score is not enough:

Pay off all remaining loans in arrears; Need to have a series of certificates that can prove that users can bear the loan responsibility and loan results; Improve users' detailed information and increase users' credit score and credit; Check whether there are omissions or errors in the submitted materials to ensure the accuracy of the materials.

1, the reasons for the insufficient score are: users have low economic ability and cannot bear the amount of repayment funds; The user's credit report has bad information records; Insufficient user credit value leads to low comprehensive score; The bank policy is tightened and the scoring conditions are harsh.

2. How to choose a borrowing institution:

A platform that refuses to charge any fees before issuing loan funds to users; Check whether the borrowing institution is formal and whether the documents are complete; Be wary of "painting cakes" lending institutions, implement normal lending processes, and don't be greedy and cheap; According to the actual situation of users, choose the most suitable and needed lending institutions; Inquire about the detailed information of borrowing institutions through multiple channels to protect their legitimate rights and interests.

What are the reliable soft solutions for borrowing money?

1, borrowed by Alipay

Alipay started early and is well-known in the loan market. The maximum loan amount can reach 300,000 yuan, and the daily loan interest rate is between 0.015% and 0.06%. The conditions for opening a loan are also relatively simple. Generally, only the user's real name is required to authenticate Alipay. If the sesame score reaches 600 or more, you will have the opportunity to open a loan. There is an opportunity because borrowing is an official invitation system, and not everyone can open it. However, Alipay loyal users are generally qualified to open. Borrow it, the interest will be calculated on a daily basis, and you will pay it back if you borrow it.

2. Tencent Microfinance

Alibaba's old rival Tencent also launched a product similar to borrowing money, called micro-loan. Wechat and QQ users can open it. Similarly, micro-loans are opened by invitation system, and users who meet the white list can find them in WeChat wallet or QQ wallet. The maximum amount of small loans is 300,000 yuan, and the daily interest rate of loans is generally between 0.02% and 0.05%.

3, the degree of small full financial.

Xiaoman Finance, formerly known as Baidu Finance, is also a well-known financial platform. Not only individual consumers, but also small and micro business owners and individual industrial and commercial households can find corresponding loan products in Xiaoman Finance. The average personal consumption loan has a maximum amount of 200,000 yuan, and the daily interest rate of the loan is as low as two ten thousandths.