Lenders can start with personal credit information and repayment ability, and the specific methods are as follows:
Lenders can apply for other loans or credit cards many times during the loan approval period, so there are many hard inquiry records in the credit investigation, which gives the lender the impression that the lender is short of money, and the lender may refuse the loan for risk reasons.
Or lenders can spend a lot with credit cards, which will make their debt ratio higher, and may also make lending institutions refuse loans.
My parents will accompany me to the bank to make a credit report. I have some loans myself. What should I do if I don't want them to see it in the credit report?
If you don't want them to see the loan in the credit report, and don't take your parents with you to see the credit report, then the credit report must be open, which is inevitable.
First, the role of credit reporting
1, to prevent credit risk. Credit investigation can prevent credit risk and reduce the transaction risk caused by user information errors;
The two-person credit report is used by the loan platform to weigh the qualifications of borrowers and solve the bottleneck problem that restricts credit transactions.
3. Improve the efficiency of economic operation. As long as it is a customer, the data registered by commercial banks in the bank will be transmitted to individuals for credit investigation, which improves the operating efficiency of economic entities and promotes economic and social development;
4. Promote the construction of social credit system. Users borrow money, only credit is good. The development of credit information industry is helpful to curb the occurrence of bad credit behavior and maintain a good economic and social order.
Two, personal credit report query and printing methods are as follows:
1, People's Bank of China (version: 7. 1.7)
There are branches of China People's Bank everywhere. Inquiring users can bring their valid identity documents to the counters of local branches of the People's Bank of China to inquire and print credit reports. Users only need to wait in line at the branch of the People's Bank of China to inform the counter staff of their needs, and then the staff will help you inquire and print the credit report.
2. Users can also query and print the credit report through the self-service inquiry machine of the branches of the People's Bank of China. The inquirer puts the valid ID card into the ID card scanning place of the self-service machine, and the inquirer can conduct self-service inquiry on the inquirer with the help of the self-service machine and print the personal credit report.
Third, the consequences of bad personal credit information.
1. It will be very difficult to apply for a loan in a bank after the loan is affected, even a credit card can't be done;
2. Can't apply for a loan again: The bank will refuse to apply for a loan business for individuals with bad credit records and long-term serious overdue, which means that you can't apply for a loan to buy a car, buy a house or use it for other purposes at all banks.
3. Affect employment: At present, many large companies will conduct background checks on job seekers before they enter the job. If you have a bad record, the company will definitely consider whether to hire you;
4. Affect the family: Bad credit records not only have an impact on themselves, but also have a certain impact on the family. For example, if one of the husband and wife has a bad credit record, then the other party will be rejected if he wants to borrow money to buy a house or a car.
Third, my boyfriend asked me to give him a loan and didn't want to borrow it. How to prove that your credit information is not good?
You can check the simplified version of credit information online first to see the overdue records of credit information.
Tell your boyfriend that because of his problem (not paying back on time), your credit information has been messed up, and the result of handling the loan will be rejected. It is also a waste of time to do it.