I have never taken out a loan. Why is there a credit record?
The credit report not only records the loan situation of users, but also the use and application of some other credit products may be recorded in the credit report. There are many reasons why there is no loan, but the credit investigation is still recorded. The specific analysis is as follows:
1 Never applied for a loan, but provided loan guarantee for others, so the credit report of the user will show the record of providing guarantee service for others' loans.
If the user fails to obtain a loan, but has submitted a loan application, the lending institution will inquire about the user's credit report. In this case, the user's credit report will reflect the record of personal credit inquiry.
3 Handling credit card products and using credit card limit consumption is essentially overdraft consumption, which is different from loans, but it will still be recorded in the user's credit report.
The record of arrears caused by the user's failure to pay the water, electricity and telephone bills in time may also be reflected in the credit report.
When users query and print the credit report themselves, there will also be records in the credit report.
Generally speaking, as long as there is no bad overdue record on the credit report, it will not cause adverse effects. However, if the user has no loan demand, it is still necessary to reduce the number of loan applications as much as possible or not to submit loan applications at will. Every time you apply for a loan, there will be an additional inquiry record on the credit report. Too many inquiry records will lead to changes in credit information and have a certain impact on subsequent loan applications.