A bank credit manager said that generally speaking, there are too many credit inquiries, and financial institutions will think that you may need money badly, have no good repayment ability and have a high risk of default. Credit records can't be checked casually. It is worth noting that in addition to actively inquiring about big data, citizens should also pay attention to some behaviors that may trigger "passive" credit inquiry.
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 intend to borrow money to buy a house not to contact online loans or microfinance products, because these loans are likely to "spend" your personal credit report. However, it takes five years to eliminate credit information. Protect your credit information and avoid online loans.
The loan records of online loan users are generally recorded by online loan big data, and the main information is user loan information and default information. If you don't understand the big data of personal online loans, you can find this small program by detecting the "wood data" in WeChat.
Here, I want to share a knowledge with you. Our online loan records may not appear in the credit report, because many online loans are not connected to the credit report, and in many cases, we can see traces in the online loan data.
In addition to the central bank's credit information system, there are many private credit information systems and local credit information systems in the society. Once the information on the online loan blacklist is obtained by these credit information systems, people on the blacklist will leave bad records on these credit information systems. People who leave bad records on the credit information system are not only difficult to apply for loans and credit cards. It is also difficult to enjoy many public welfare and deposit-free services.