About credit card approval, loan approval, guarantee qualification review, loan management, etc., these are all inquiry records on the credit report. So, when post-loan management appears on the credit report, does it mean your credit is bad? I don’t necessarily think so about this issue. Let’s take a look at it together.

Credit Report Post-Loan Management Record Post-loan management in credit reporting refers to a type of credit management that banks or financial institutions perform on users after issuing credit cards or lending. They check the user’s credit information at intervals. Credit report to ensure that the personal financial status or repayment ability is normal and there are no new bad credit behaviors.

Under normal circumstances, post-loan management is a neutral inquiry, and it does not necessarily mean that your credit is bad. In other words, post-loan management of credit reports will not have a negative impact on personal credit reports. What will affect personal credit reports are overdue, cash-out and other bad credit behaviors or high debt.