; ? In the credit society, the role of personal credit information is becoming more and more important, especially now many loans have to be checked, which makes many people's loans rejected. The first instinct is that there is something wrong with the credit information. In fact, the failure of the loan is not necessarily due to the credit investigation. You can find the reason through these elimination methods.

Let's first judge whether the credit investigation will affect the loan.

In fact, just because there is a problem with credit information does not mean that you can't get a loan. Mainly depends on the severity of credit reporting. You can print a credit report to see if there are any overdue records in the credit report. If so, you can see whether it is currently overdue or historically overdue.

At present, overdue means that debts have not been paid off, which directly affects loan approval. If it is overdue in history, it is necessary to speculate according to the overdue month. For example, it is hopeless that such credit information cannot be hacked. It's only slightly overdue, like once or twice uninterrupted, or overdue two years ago, and the problem is not very big.

In addition to credit reporting, the failure to borrow money may also be due to these reasons:

1. Loan information is not true. Often in order to obtain a high loan amount, people will find an intermediary to package information, or provide false income certificates and other untrue information. If they are found out, they will directly refuse to lend. Even if the import may be successful, I am not familiar with the information during the electronic review, and my answer is wrong, which also means that there is something wrong with the information, and I will not approve the loan.

2. The income is not up to standard. Loans should be filled with income information and have a stable income. The most basic requirement is an annual income of not less than 50,000 yuan. If there is no other income, the average monthly salary should be at least 3000 yuan. If the income is lower than this, large loans will be impossible and small loans may be difficult.

3. The influence of credit line. Mainly refers to bank loans. Bank loans will be issued and approved according to the principle of rigid deduction. The maximum loan amount approved by the bank (generally 200,000) is deducted from the credit line+the credit card used. If the result is positive, the loan may be approved; if it is negative, the loan may be directly rejected.

4. There are many credit inquiries. Lenders will also pay attention to the inquiry records in the credit report, such as hard inquiry records such as loan approval, credit card approval and guarantee qualification examination. If it is more than three times in three months, they will think that the lender is short of funds. If there is more credit for credit investigation, they will doubt that it will be difficult to approve loans through lending.

5. Public information. The public information in the credit report includes court information, tax arrears information, administrative law enforcement information and other records. For example, if a person is punished by the tax authorities for failing to pay personal income tax, or is punished for failing to pay utilities, the lending institution will not issue loans.