Can I continue to apply for a loan after three months of credit investigation?
The credit report records the credit situation in the past five years. Lenders generally refer to the credit situation in the past two years. The key is to look at the records of the last three months before the loan. Therefore, the letter of credit should be kept for at least three months. As for whether to stay for so long, it depends on the recovery of the credit.
1. For example, if I spent money on credit investigation and kept it for 3 months without overdue records, and didn't apply for loans and credit cards during this period, the credit investigation should have recovered well, and it won't have much impact on the continued loan. As long as the lender meets the conditions in other aspects, there is basically no big problem in meeting the comprehensive score.
2. For example, if the credit information is overdue, keeping it for three months will not eliminate the bad credit, and continuing to apply for a loan may still be rejected. It is best for the borrower to suspend the loan application and repay the credit business on time for two years. The impact of overdue will be less, and the chances of continuing the loan will be higher.
The above is "Can I continue to apply for a loan after three months of credit investigation?" . Finally, I would like to remind you that credit information is not the only factor that affects loans. In addition to maintaining credit information, the borrower's personal qualifications are also very important, and other factors that are beneficial to him, such as big data of various third-party platforms, should also be used. The key is to prove that you have the ability to repay on time, so besides having a stable income from work, the personal debt ratio should not be too high.