If you check your personal credit report too much, it will really affect the loan. In order to avoid frequent inquiries, some insiders suggest not to easily inquire about the loan amount, but also to minimize the application for credit cards or Internet micro-loans. At the same time, once the credit report is found to be queried beyond the authority, it can be reflected to the branches of the People's Bank of China. ?

A number of banks said that this will affect. Relevant persons of ICBC said that too many "hard inquiries" would have an impact on applying for bank loans. The so-called "hard inquiry" is an inquiry record generated by examining the customer's financing application (such as credit card approval and loan approval). ?

Relevant persons of China Merchants Bank said that whether individuals inquire by themselves or authorize others to inquire, too many times of credit inquiry indicate that customers have great potential debt pressure and high potential risks. ? It is understood that the credit report of the central bank can only be inquired by myself or my authorization. ?

Generally speaking, in a period of time, personal credit reports have been inquired by different institutions for reasons such as loan and credit card approval, but the credit reports show that users have not successfully approved new loans or successfully applied for credit cards during this period. Then, the bank has reason to speculate that the user's financial situation is not good, the repayment ability is worrying, and the user's loan application request is rejected.

Extended data:

Relevant persons of the central bank reminded that if the credit report is found to be inquired beyond the authority, it can be questioned to the inquiry institution or reflected to the branches of the People's Bank of China. ?

Credit records can be regarded as an individual's "economic identity card". It can not only affect the approval of personal loans and interest rates, but also affect daily life. For example, more and more services are linked to credit records. The better the personal credit, the more convenient services you can enjoy. ?

In addition to paying attention to inquiry records, credit records also include personal basic information, credit information, telecommunications payment, tax arrears and other non-financial liability information and public information such as administrative law enforcement. ?

Phoenix. Too many personal credit reports affect loans.