I. My own investigation
It didn't work.
This is a neutral and objective inquiry record, which is an inquiry made by an individual according to his own credit situation. Whether it is curiosity or credit verification, it has nothing to do with credit lending.
Second, loan approval and credit card approval.
Because the inquirer is a clear financial institution, the purpose is to issue loans or credit cards, and the nature is economic transactions, so the impact of the inquiry depends on the examination and approval of the inquiry.
1, normal loan, approved.
For example, there are 1 loan accounts in 1 institutions for loan approval and inquiry, so it has no impact, even relatively favorable, because the approval is passed, which means that the institutions have recognized the credit qualification of the inquired person.
2. Continuous and frequent inquiries failed to be approved.
For example, if 10 institution has 0 loan accounts, then the impact degree may be 0-5, and the institution's approval failure must be due to reasons. 1 If the institution fails, the second institution is suspicious, and the third institution may refuse when it sees the failure of the first two institutions. The probability of half and half will gradually affect personal credit information.
Third, post-loan management.
It didn't work.
This is an inquiry operation conducted by the institution to grasp the debtor's credit, liabilities and repayment in real time after the loan is issued, before the loan is settled or before the credit card is cancelled, which reflects the institution's own risk tolerance.
Fourth, the guarantee qualification examination
The impact degree is 0-5 points.
Inquiries like loan approval and credit card approval are hard inquiries, because the guarantor needs to bear certain guarantee responsibilities and is linked to money. Guaranteed qualification means that the guarantor has good credit qualification and repayment ability, but not guaranteed qualification. Therefore, if the number of queries is too many and continuous in a period of time, it will also have an impact.
If you don't know your credit information, you just need to search: Beijian Quick Check, click Query, and enter information to find your own credit information. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. When borrowing money, you must pay attention and do what you can.
Extended data:
What is the impact of inquiring about personal credit information?
Inquiring about personal credit information will make banks think that they are short of money and have potential default risks.
If there are too many inquiries about personal credit and there is no record of successful loan or credit card processing, the bank will think that the credit is not good and will be rejected by other institutions many times.
Credit record is a "credit file" established by the central bank for individuals, which records personal credit records, tax arrears records, civil judgment records and so on. Every inquiry about personal credit will be reflected in the credit report for two years, including who inquired, why, the number of inquiries and when.