As we all know, there are many small loan apps on the Internet, and many people who need to borrow can borrow the money they need with their fingers on their mobile phones. Now many small loan companies will send users' loan records to the central bank's credit information system. What should users do when they find that they have too many small loans and want to apply for a mortgage?

There are too many micro-credit loans. What should I do to apply for a mortgage?

When a user inquires about his personal credit report, if there are too many small loan records on it, it means that his personal credit report is likely to be spent. Usually, banks judge such customers as high-risk customers, and the mortgage approval bank for such customers will generally not pass, but it does not mean that they cannot apply for mortgages in the future.

When you find that your credit record is bad, users must not try to apply for other credit-related businesses again. The first thing to do is to pay off some small loans and reduce your debt ratio. Don't try to apply for other loans to support loans.

In addition, you can also try to use a credit card to improve your credit information. Loans not approved by banks are some small loans in the market. Rational use of credit cards and timely repayment are the fastest ways to improve credit information. Users can spend more online and offline, pay more attention to physical shopping than online shopping, and repay on time. If it is a large consumption bill, they can choose to pay by installments and try to avoid paying only the minimum amount.

Generally speaking, if there are too many small loans on personal credit information but they are not overdue, you can consciously cultivate credit information and try to apply for a mortgage from the bank again in about 6 months. Last but not least, don't vouch for others and reduce the number of inquiries.

The above is the answer to the question about "too many small loans for credit investigation". I hope it will help everyone!