1. Limit on the number of inquiries: According to the People's Bank of China, the number of inquiries on a person's credit report in the most recent year does not exceed 4 as a normal range, and more than 4 inquiries may be considered as frequent inquiries.
2. Time interval: If multiple inquiries are concentrated in a short period of time, such as multiple inquiries in a day or a week, they may also be considered frequent.
3. Queries from different institutions: If multiple financial institutions or loan applicants query a person's credit report within a short period of time, this may also be considered frequent. This situation may suggest frequent loan applications or credit risk.
It should be noted that the specific judgment also depends on the cooperation agreement between the personal credit bureau and the financial institutions as well as the internal policies of each institution.
If users are worried that frequent inquiries will affect their credit, they can choose to get a big data credit report from Eagle Heart Express. The query operation of this service will not be displayed on the credit, does not affect the loan application, and at the same time can also provide their own comprehensive credit score, to help users timely check the risk.
Summary: In general, multiple credit inquiries focused on a short period of time, exceeding the limit on the number of inquiries, or conducted by multiple agencies may be considered frequent. Eagleheart QuickCheck provides a solution for checking one's own credit that avoids this effect and provides a comprehensive credit score.