Comprehensive scoring is an important basis for lending institutions to assess user qualifications. In short, the higher the score, the better your influence on the web-based lending platform and the higher the amount of credit you can get. However, the high and low ratings do not depend solely on whether they are overdue, but there are many other factors that can influence the results. The following are the types of situations that may lead to a lack of overall ratings:

How can a lack of comprehensive ratings be shown without a delay? That's why

First, the debt ratio was too high. If you have a lot of outstanding external debt, this means you have a high debt ratio and, from the platform's point of view, you may be at greater risk of not paying on time in the future. Therefore, if the liabilities were high, the overall rating would certainly not be high。

The second is the lack of repayment capacity. If you don't have a lot of debt, but your income is not stable, then the loan platform is worried about your ability to repay. After all, if the Platform is to manage the risk, the overall score will not be too high if you do not see a stable source of income and even if the overdue record is not too high。

Another factor of influence is civil capacity. The Platform hopes that borrowers will have full civil capacity, as this will make it easier for them to collect money. If there is a problem with civil capacity, the overall score will also be affected。

Age is also an important consideration. Loan institutions have certain requirements for age, and if you are not in this range, you are also subject to deductions. In addition, your career has an impact on scoring. This may also be the reason for lower ratings if there is a mismatch between occupation and loan products。

Finally, the account activity. If you are a new user and have no record of borrowing, the platform cannot judge your repayment capacity through historical performance. Then, for risk control reasons, the rating would not be too high。

In the light of the above, there are many factors affecting the overall rating, and good letters of credit are important but not the only decisive factor. Users should take note of the above points and improve their overall credit rating, thereby increasing the chances of loan approval。