What if there is no loan credit report but there is loan approval?
The loan approval record on the credit information is a hard inquiry record. Under normal circumstances, banks or financial institutions that access the central bank's credit information are eligible to inquire about the lender's credit information only if they are authorized by the lender at the time of loan approval. If the lender does not apply for a loan, but has a loan approval record, there may be three reasons.
1. Although there is no loan, you have authorized the lending institution to check the credit report by clicking on the check limit or checking the limit on the loan platform, but you just don't know it. If this is the case, there is basically no problem as long as you don't frequently click on the inspection quotas of several lending institutions in a short period of time.
2. Lending institutions check the credit report without the consent of the credit object, which is equivalent to infringing on the privacy of the credit object, and will also leave a record of loan approval inquiry. You can find the name of the lending institution in the credit inquiry record, search the contact information, and let it apply to the central bank for credit modification and cancel this inquiry record.
3. If the loan is made under a false name, check the loan information in the credit report to see if there are any new loans in the loan record during this period. If there is a loan, don't worry, just take out the evidence that it is not my loan, file an objection to the central bank's credit information, and ask the lending institution to cancel the loan record.
In short, there is no loan credit report but there is a loan approval record, so we must find out the reasons according to the above three situations, which is easier to solve.