; ? Many people will still borrow money when they are in urgent need, but if the loan platform is connected to the credit information system, the application will leave a record on the credit information. However, many people don't know much about the credit information on the loan application. Will they ask whether there will be a credit information record every time they apply for a loan? I heard that there are too many loan application records for credit investigation, so how to judge the credit investigation? Let's find out.

Will there be a credit record for every loan application?

There are two types of lending institutions: those that apply for credit reports and those that do not. No matter how many times they apply, there will be no credit record. However, it is different to apply for a loan with credit information. Even if you borrow from the same lending institution for many times, you will receive credit information according to the number of applications, that is, each application will have a credit information record, and you can see a loan approval inquiry record when checking the credit information.

However, the loan approval record on the credit information does not mean that the loan has been approved, but means that the lender has submitted a loan application and the lender has checked the credit information when approving it. You can't judge the loan application results only from the query records, but also from the credit information records.

For example, if there is a loan record of the same institution similar to the inquiry record in the credit record, it means that the loan application is successful. No matter whether the loan is successfully handled or not, the loan record on the credit information will also have an impact on the credit information, which will easily make the credit information a flower.

So how do you judge that the credits have been spent?

It depends on the number of hard inquiries including loan approval, such as credit card approval and guarantee qualification examination, which all belong to the same kind of inquiry records. According to the query time and query times of these records, it can be judged whether the credit information has been consumed.

The default situation of most lending institutions is that the number of hard inquiries exceeds 3 times in one month, 8 times in three months and 10 times in half a year. However, it is not a serious bad record, but it will increase the difficulty of handling credit business. However, if you can provide information to prove your repayment ability, there will still be no big problem. If it really doesn't work, let time weaken the influence of credit reporting.

Is there a credit record every time you apply for a loan? I hope it helps you.