A. How long can too many personal credit inquiries be eliminated?

Hello, this credit report inquiry number will always remain on it. There is no doubt that too much credit report check project when the direct impact, if a short period of time credit inquiry number of more households may be more short of money, unable to pay back the risk is higher, in the approval of the loan time to prioritize other users. In addition to the credit report of the People's Bank of China, the number of inquiries is too much will also affect the personal big data credit, that is, big data letter within the application too many times, if the big data credit risk index will also increase. You can check your corresponding big data credit report through WeChat: Ticha Cha official number, check your multiple applications and other aspects of the situation, so as to optimize and improve their credit qualification.

Two, credit inquiry too many times how to do

Personal credit report is the banks and major financial institutions to determine the recent economic situation of the loan applicant's reference data, the bank in the loan, approval of credit cards before, generally will query the applicant's personal credit report, and each time the query record, will be stored in the credit report. retained for a period of two years.

But once the credit inquiry record is too much, the bank will think that your recent economic situation is not good, which will lead to the card or loan is rejected. So what are the remedies for too many credit inquiries?

1, query classification

First of all, not all inquiries have an impact on credit, and now the number of inquiries can be divided into the first type of loan approval, the second type of credit card approval, the third type of guarantee qualification approval, the fourth type of post-loan management, and the fifth type of other types of inquiries.

The main ones that have an impact on credit are loan approval, credit card approval, and guarantee qualification approval. You can take a close look at these inquiries and see if there are any unauthorized agencies, and if there are, you can file a complaint and ask for the deletion of the query record and the closure of the authorization.

2, "repair" credit

Since there is no way to manually eliminate the credit, it can only be mitigated through some operations:

(1) Do not apply for a credit card or a loan within six months, and do not casually apply for a variety of small loans, because these credit checking products, as long as you click on the If you fail to apply again, you will have one more query, and it is easy to spend your credit.

(2) Apply for loans and credit cards as much as possible to choose to go to the bank counter or salesman door to door, by providing more qualification certificates, such as real estate certificates, financial assets, income certificates, etc., so that the bank knows that you have the ability to repay, to avoid being rejected because of the number of times of checking the credit.

(3) The query record is kept for 2 years, during this period of time the existing credit card or loan must be paid on time, do not have late or untimely repayment, maintain good performance behavior, and feed your credit.

Three, credit inquiries too many wind control how to do?

Stop in time, stop inquiring about credit, and don't apply for a loan credit card within six months. A short period of time frequently apply for loans, credit cards or randomly click online, regardless of whether the capital is applied successfully, will be every application, query a credit record, in a short period of time too many inquiries, the bank will be the existing loan quota wind control, so that the quota is not always used.

When the bank wind control, be sure to stop applying for loans credit cards in a timely and frequent manner, to maintain a good credit, after six months, such as credit updated bank wind control will be lifted.

Four, credit inquiries a number of times how to do

My credit inquiries too many times how to do