How long will it take for the comprehensive score to recover?

The comprehensive credit score is insufficient, how long can it be restored?

Lack of comprehensive evaluation, no fixed recovery time. Applicants need to find out the reasons for the lack of comprehensive evaluation scores before they can be restored after improvement. The lack of comprehensive credit score may be due to black credit information, incomplete submission materials, blacklist of online loans, or short service life of mobile phone numbers, and the processing time for each reason is different.

Reasons for insufficient comprehensive credit score

1, the credit information is black, and personal credit information has many bad credit records such as overdue and breach of contract recently (mainly in the last six months); Credit information: There are too many "hard inquiries" for credit information and few loans, so borrowers will think that users have no repayment ability.

2. The information is incomplete, and the required items in the application form are not filled in; The ID card does not meet the conditions of "my second-generation ID card"; The work/address book/emergency contact is suspected of fraud; The bank's running water is not timely and true.

3. The mobile phone touches the "thunder spot", and the mobile phone has not been authenticated by my real name or the authentication time is less than 6 months; The telephone number filled in by the applicant is consistent with the agency; The attribution of mobile phone is abnormal, for example, people work in Beijing, but the attribution of my mobile phone number and colleague's mobile phone number is shown as remote mountainous area.

4. Entering the "blacklist" of online loans and applying for online loans too frequently, the lender will think that the applicant is extremely short of money and has poor repayment ability (frequently defined as 65438+ 10 for 0 months), and the online loans are overdue for many times and the debts are not repaid.

Credit black does not show that it will take 5 years; Incomplete information can be resubmitted; If the mobile phone number is less than 6 months, you can submit an application or change the commonly used mobile phone number after 6 months; Entering the online loan blacklist cannot be deleted.

How long does it take for the comprehensive score of Meituan to recover?

The comprehensive score of the US Mission is less than three months.

If the user's credit qualification conditions change, and then try to apply for Meituan loan, the comprehensive score will change after the system evaluation, and even return to the previous score. However, the credit qualification conditions of users have not changed. No matter when you apply for Meituan Loan, the lack of comprehensive score will not be restored.

The comprehensive score of Meituan Loan is obtained through systematic evaluation. Under normal circumstances, the system will take the borrower's credit status, the debt ratio and income under his name as the basis of his current loan qualification. Judging from the feedback from users who borrowed money from Meituan, the borrower's comprehensive score is insufficient, and it usually takes three months to borrow again. During this period, the borrower needs to improve the comprehensive score, otherwise it will not pass the audit.

In addition, Meituan needs to authorize personal credit inquiry to borrow money. If the credit status is not good, it will show that the comprehensive score is insufficient and there is no way to get a loan.

Article 67 1 of the Civil Code of People's Republic of China (PRC).

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

How long will it take me to recover from the comprehensive results of several subjects?

There is no fixed recovery time.

Lack of comprehensive evaluation, no fixed recovery time. Applicants need to find out the reasons for the lack of comprehensive evaluation scores before they can be restored after improvement. For example:

1. If the comprehensive score is insufficient, it may be because the information submitted by the applicant does not fully show the real situation. You can call the staff to find out the specific reasons and then supplement the information according to the reasons.

2. If there is overdue behavior, it will also lead to insufficient comprehensive score. Applicants should have good repayment habits. Generally, the credit card is overdue. After paying off the arrears, you can continue to use the credit card and repay it on time. Cover the previous bad records with good repayment records, and the overdue records five years ago can be eliminated.

3. If the applicant has too much debt, it may also be the reason why the comprehensive score is not enough. You need to reduce your debts, don't handle too many loans, and try to pay off your existing debts as soon as possible.