Baidu has money to spend on credit investigation. First of all, according to the regulatory requirements, we need to check the credit information of users when granting credit, and we need to agree to authorize credit information inquiry before we can operate the next step. Secondly, there will be an authorization agreement, and there is no way to cancel it at present, so as long as you do the line, there will be a credit record inquiry in future loan applications. Baidu has the money to spend in line with national regulatory requirements, and overdue records will be left on the credit report. So I suggest you cherish your credit and repay on time.

2. My husband applied for the main loan, but my credit information was spent, but there was no overdue record, and there was a financial record of recruitment. Will it affect his loans and credit loans?

If you apply for a credit loan, it is also related to your credit information, because credit loans generally depend on your personal comprehensive conditions. During the investigation and return visit, even if you make a mistake, the credit review will not give you money. Therefore, the specific situation will depend on your comprehensive conditions, but your credit information has not breached the contract, and the impact will not be great. Finally, it depends on the result, and there are many uncertain factors. I used to do credit loans, I hope I can help you!

Third, high debt, frequent credit inquiries and no overdue loans.

Overdue credit information depends on the severity, and overdue credit information is also divided into different situations. At present, it is impossible to apply for a credit loan after the deadline.

You can try.

You can apply at the local bank.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Fourth, there are many credit reports. Is there no overdue money to borrow?

If you need to apply for a personal loan, it is recommended to choose a bank channel, and "credit record" is an important audit item.

If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.