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

Insufficient comprehensive scores can be recovered by uploading real information, increasing asset certificates, paying off some debts, repaying overdue debts, avoiding repeated applications, etc. Details are as follows.

1, upload real information

Before applying for a loan, the user must first use his real mobile phone number to receive the verification code and register a loan account. When actually applying for a loan, he must upload his real and effective information, such as his ID card and real-name registration system bank savings card, so that the system can confirm that he is applying for a loan and evaluate a higher comprehensive score.

2. Add an asset certificate

The reason why the comprehensive score is insufficient may also be that the user's asset certificate is few, which leads the system to think that the user's income level cannot be repaid normally. Therefore, before applying for a loan, users can also upload their own asset income certificates, such as salary flow, social security accumulation fund deposit details, immovable property certificate, vehicle ownership certificate, etc. , so the system will consider the user's qualification is good and evaluate a higher comprehensive score.

3. Pay off some debts

If the user's loan records and credit card records show that the debt is too high, the loan platform will think that the user's solvency is limited, resulting in insufficient comprehensive score. Users should take the initiative to settle some revolving loans and consumer loan products before applying for loans, so as to reduce the debt level of users and obtain a higher comprehensive score.

4. Repaying overdue debts

If the user's loans and credit cards are overdue, they must be repaid in time and cannot be overdue again in the next six months to 1 year, so as to get a higher comprehensive score. However, if it is particularly overdue, you can only apply for a loan after the five-year retention period recorded in the credit report has passed.

5. Avoid repeated applications.

When users need a loan, don't just test the loan amount on different loan platforms, which will leave a record on the credit report, thus affecting the approval of the loan. Before applying for a loan, users should understand different loan platforms, choose good loan products and avoid submitting loan applications repeatedly, so as to obtain a higher comprehensive score.

Many people become blacklists of outlets after overdue, but I don't know that in addition to overdue, bad long-term loans will also be blacklisted online. Specifically, you can go to Beijian to check and test your long-term lending. Long-term lending is mainly an individual's recent application in a lending institution. It is suggested that you can slow down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

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How to negotiate repayment for overdue online loans?

After accessing loans overdue, if you want to negotiate to return it slowly, you can contact the platform personnel directly.

After contact, explain your intention first, then explain your situation clearly and provide relevant information to prove that you don't owe money intentionally, but you really don't have the ability to repay. Then you can put forward a good repayment plan according to your own economic situation, apply for extending the repayment period and repay the arrears in installments.

The loan platform should be considered as appropriate. If an agreement can finally be reached, then it is only necessary to repay the arrears in installments on time according to the negotiated new repayment plan. If negotiation fails, you can adjust the repayment plan and negotiate as many times as possible.

It is really impossible to negotiate, so we can only find another way. For example, you can borrow money from friends and relatives around you and raise funds to repay the arrears. It should be noted that if the interest charged by the loan platform is too high, in fact, evidence can be collected and reported to the platform.