When you apply for a loan, you may find yourself underrated. What's going on? The comprehensive rating of the micro-credit platform is an evolution of the creditworthiness and qualifications of the users, and many factors influence the rating。

What are the reasons for the lack of comprehensive credit ratings

Overdue is a great enemy. Overpayment will seriously affect your loan and credit card rating. If you have a delay, you need to repay it in a timely manner and to assist you in maintaining a good repayment record for the coming year. If you are seriously overdue, you may need to wait for the expiration of the five-year overdue record of the credit report before you try to apply for a loan。

The excessive debt burden also requires attention. If your loan records and credit cards show a high level of indebtedness, you should try to settle part of the liability or increase the proof of assets. The clearing of credit cards, the uploading of asset certificates, such as property certificates or vehicle permits, can help to raise your overall score。

The submission of real and effective information is another important factor. When applying for a loan, you must provide real and effective personal information and use your own real mobile phone number, so that the loan institution can confirm that you are applying for it, so that your overall score can be raised。

Avoid random testing of loan lines and repeated applications for loans. You may wonder if you can get a higher amount on different loan platforms, but random tests leave a record on the letter report and have a negative impact on your loan approval. Knowing the differences in the loan platform, choosing the loan product and then applying, and avoiding repeated loan applications, will improve your overall rating。