2. If you only applied for one loan and didn't apply for other loans at ordinary times, you can wait 1 month before applying for a loan. Loans that are not particularly strict generally have no impact.
3. If you want to wait for the online loan application record to be eliminated, it will take about 5 years before the previous record will be overwritten.
Extended data
1. How many months of inquiry records does the credit report show?
As mentioned earlier, there are many types of credit records, and different types have different display times:
1. Credit information records the basic information handled by the lender, including loans, credit cards, guarantees, etc. , will always be displayed in the credit report.
2. Overdue record refers to the record that credit business such as loans or credit cards fails to repay on time, and it will be displayed for 5 years after the termination of bad behavior.
3. Public records refer to payment information such as social security and provident fund, which will show the records of the last five years.
4. Inquiry record refers to the record left after inquiring about the credit report, which will display the inquiry records in the last two years.
Second, does the inquiry record have an impact on the credit investigation?
1 certainly has an impact, but it should be analyzed according to the type of query record.
2. Query records can be subdivided into soft query records and hard query records. Among them, personal inquiry and post-loan management belong to soft inquiry records, which have little influence on credit investigation and can be basically ignored; Hard query records include loan approval, guarantee qualification examination and credit card approval. Too many times in a short period of time will make credit investigation a flower.
Three, seven important contents of personal credit report
1, white household of credit investigation
Generally, after graduating from college, people will start to contact financial services more or less, such as credit cards, mortgages, car loans, mobile phone credit loans and so on. Credit reports began to appear. If your credit report is not recorded, the bank can't know the credit record, overdue record, etc. From your credit report, it seems clean, but the risk is unknown.
2. Expired records
This is familiar to everyone. Never leave an overdue record on the credit report. Don't have "three consecutive days for six consecutive days", that is, it is overdue for three consecutive months within two years, or there are six overdue records. Once overdue records appear, it will take five years for the arrears to be eliminated naturally after they are paid off.
3. Bad debts
Bad debts, that is, accounts that have passed the repayment period and cannot be recovered after collection, are in a state of sluggishness for a long time, which is a serious breach of contract, more serious than overdue. If you don't handle it all the time, you will become a bank loan user.
4. The debt ratio is too high.
Some people think that they have no overdue records, but they don't know that high debt ratio is also a disguised "bad credit". Banks will focus on the current credit card usage and the average credit card usage in the past six months. Therefore, if there is demand for mortgage and bank loans, pay attention to your credit card credit at least three months in advance.
5. Online loan records
At present, a number of licensed online loans have been involved in credit investigation, and more products will join the ranks of credit investigation in the future. Moderately use a series of products such as white bars, flower buds, borrowing buds, micro-loans and Wanda loans to avoid affecting credit information.
6. Number of institutional surveys
Credit card approval, loan approval and guarantee qualification examination have a certain impact on credit reporting. It is recommended not to inquire more than five times within six months, otherwise it may affect loan approval or credit card account opening.
7. Spouse credit report
The new version of credit information will be launched soon. It is said that your spouse's credit information will also be displayed in your credit report. When applying for a loan while married, the credit status of the spouse is also one of the important factors.