The credit record is very poor.

There are many reasons for poor credit reporting, some are unintentional, and some are malicious in the eyes of banks. Generally speaking, it is malicious not to repay after being overdue for many times or being collected by the bank. In addition, in the loan industry, there is a principle of "three consecutive times and six overdue times". If this happens, 100% of the loan will be rejected.

The credit inquiry has been made many times.

Generally speaking, if there are too many credit inquiries, financial institutions will think that customers may need money very much, have no good repayment ability, and have a high risk of default.

It seems that credit records can't be checked casually. It is worth noting that in addition to active inquiries, citizens should also pay attention to some behaviors that may trigger "passive" credit reporting.

It is understandable if you often check your personal credit records, but it is a bad signal for banks if credit institutions frequently check your credit records. This means that the applicant may have applied for credit from multiple institutions, which may also lead to higher liabilities. To make matters worse, if there is no new loan record after that, it means that the applicant has been rejected many times, probably because of his poor qualifications, thus continuing to reject his loan application.

Under normal circumstances, as long as the credit instruments of the banking system are used, they will be entered into the central bank's credit information system, such as using credit cards and consumer loans. Therefore, it is best for citizens who plan to borrow money to buy a house not to touch online loans or small loan products, because these loans are likely to "spend" your personal credit report.

The number of inquiries is only a reference standard, and the bank will make a comprehensive judgment according to the specific situation of the individual. Generally, they will not refuse to lend because this indicator is "out of standard".

Extended data:

Lacarra's easy-to-stage review time is also very short, basically 2 hours can be completed, and it will not exceed 2 working days at the latest. If the reality is already under review and it has been more than 2 working days, it basically means that the application has been rejected. You can also take the initiative to contact Lacarra easy installment customer service to see what the specific reason is and whether it is really rejected. If yes, you can reapply only after you meet the conditions.

First, koala credit score is not enough.

Because Lacarra attaches great importance to the customer's koala credit score, if your koala credit score is not up to standard, it is likely to be rejected.

Second, credit reporting is too expensive.

Online loan products like this are all collected at the meeting, so it is basically impossible to apply for easy installment in Lacarra if your collection is too expensive.

Third, new customers.

According to many netizens, most of the rejected customers are new customers. In addition to paying attention to the koala credit of customers, Lacarra is also very concerned about whether it is an old customer and whether it has been used for you. Like ordinary new customers, 90% of them were rejected when they applied for Lacarra easy installment.

Fourth, still use "for you"

It should be noted that Lacarra is not allowed to apply for two products at the same time, so if you still use "return it for you", the application for easy installment system will not be approved. You need to refund "for you" before you can apply for easy installment.

People's Daily Online-Bank Reminder: The number of credit inquiries affects the loan application.