Why are multiple platforms rejected, saying that my comprehensive score is insufficient?

Hello, there are many platforms that can choose online loans, and compared with other loan methods, the loan application of online loan platforms is more convenient, but it is necessary to pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, do not pay pre-loan fees to avoid being scammed.

It is recommended that you use Du Xiaoman Finance, which is a credit service brand (formerly known as Money Flower) under Du Xiaoman Finance, a big brand that is reliable and has a low interest rate and is trustworthy. Du Xiaoman Financial has money to spend to launch consumer credit products for individuals, with a maximum loan amount of 200,000 yuan (click on the official amount, the daily interest rate is as low as the start, with the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.)

Share with you the application conditions for Xiaoman Finance to have money to spend: it is mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Please borrow reasonably as needed, and the specific product information is subject to the actual page of Du Xiaoman Financial APP.

This answer is provided by Du Xiaoman Financial Money, I hope this will be helpful to you.

Hello, if you don't often apply for loans on each platform, they will have a record, which will affect your credit information.

You don't know how to operate, and the loan is private.

First, the front. If the comprehensive score is insufficient, I am afraid that it will not be easy to borrow on the formal licensed loan platform in the short term, because it will be reviewed, and the comprehensive evaluation of the system is not up to standard, and the platform will naturally not lend.

2. Specific analysis.

It is estimated that only some microfinance platforms that have not been approved by the CBRC and do not hold financial licenses still have the opportunity to borrow. Because the threshold for applying for such small loans is generally low, some even need to provide an ID number or mobile phone number, and they can directly make a payment without review. However, most of these small loans are not very formal, and it is not recommended to apply for them, and they may encounter loan sharks and fraudsters, resulting in damage to personal money.

It is better to choose a formal licensed loan platform for borrowing, which is more secure. For the case of insufficient comprehensive score, the application can be postponed, the problem of personal credit can be solved, and then borrowed after being dealt with, and the loan should be able to be smoothly obtained. For example, if you have bad credit, you should be patient and spend time to accumulate a good record, and if you have too much debt, you should repay your debts in time and reduce your debts.

If the loan application is rejected, you can check your credit status in the "Beijian Quick Check" before applying for a loan, if the credit is not good, you can slow it down first, and then apply when the credit risk score is not high and the stain is almost non-existent, and it is easier to pass.

3. What is the standard for filing a case for overdue prosecution of online loans?

The platform has the right to sue after the overdue time of online loans generally exceeds three months, but it will not sue immediately after three months. Unless it is too long overdue, the amount owed is also very high, and the platform has not responded to the reminder many times, then it may be sued.

Once sued, if the repayment is not made by the court judgment, the court may enforce it, and may even list the borrower as a dishonest person. It should also be noted that overdue will also have serious adverse effects, and penalty interest will be charged continuously until the arrears are paid off, and personal credit will also be damaged due to overdue.

The personal credit center will evaluate the work certificate, salary card, credit information, debt and other materials provided by you, and the general reasons for insufficient scores may be:

Debt is high and high.

Poor credit reporting.

Credit card overdue.

Salary clock-in is lower.

Your daily transaction records will be uploaded to the People's Bank of China personal credit record, and if there is a personal credit bad, it will affect your loan application in real time.

Credit score is the basis for evaluating a person's credit situation, and it is recommended that you pay more attention to your credit history.