The comprehensive score is the total score of some projects evaluated by the bank according to the borrower's own situation. According to the situation of each customer, a comprehensive score is made, including the applicant's marital status, occupation, income level, debt, loan method, educational background, personal credit record, etc. It's just a standard of scoring, and it doesn't mean that the credit is not good.

If your comprehensive score is not high, first find out what the problem is, and then solve it in a targeted way.

The first step is to see if you meet the basic requirements: each loan platform has access conditions, including age restrictions, identity restrictions, job stability, mobile phone use time, and some needed information, such as my valid ID card and bank card. As long as one item is not up to standard, it will lead to insufficient comprehensive score.

The second step is to look at your repayment ability: repayment ability is not just work income, so it is not enough to say that work income is stable, but also depends on the personal debt ratio on credit information. For example, if the income is relatively high and stable, but the debt ratio exceeds 50%, the repayment ability of such borrowers is not good.

The third step is to look at the activity of the account: many people basically don't log in after registering their accounts, and they don't maintain their accounts well. The account activity is not high, which will also affect the comprehensive score.

If there is overdue behavior, it will also lead to insufficient comprehensive score. Applicants need to 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.

If you have too much debt, it may also be the reason why your 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.

If you want to improve your overall credit score, you must first develop good credit habits and accumulate good credit records. Only by maintaining good personal credit can we improve the comprehensive score of personal credit.