The loan approval record on the credit information is a hard inquiry record. Under normal circumstances, banks or financial institutions that access the central bank's credit information are eligible to inquire about the lender's credit information only if they are authorized by the lender at the time of loan approval. If the lender does not apply for a loan, but has a loan approval record, there may be three reasons.

First, although there is no loan, you click Check Quota or Check Quota on the loan platform, which authorizes the lending institution to check the credit report, but you just don't know it. If this is the case, there is basically no problem as long as you don't frequently click on the inspection quotas of several lending institutions in a short period of time.

Second, the lending institution will check the credit report without the consent of the credit inspector, which is equivalent to infringing on personal privacy, and will also leave a record of loan approval inquiry. You can find the name of the lending institution in the credit inquiry record, search the contact information, and let it apply to the central bank for credit modification and cancel this inquiry record.

3. If it is a fake loan, check the date of the inquiry record to see if there is any new loan in the loan record during this period. If there is a loan, don't worry, just take out the evidence that it is not your own loan, object to the central bank's credit report, and ask the lending institution to cancel the loan record.

In short, there is no loan credit report but there is a loan approval record, so we must find out the reasons according to the above three situations, which is easier to solve.

1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.

2. Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.