Industrial loans mainly depend on the credit records of the past two years, and the requirement is that there can be no overdue records within two years. In addition, the situation of poor credit information: China Merchants Bank, Industrial and Commercial Bank, Industrial Bank, China Construction Bank and Citibank only look at the credit information in the past year, the borrower himself, not the spouse.

2. How often do you check the credit history of bank loans?

Generally check the credit report for five years. So, if the credit card is cancelled! Because once the past credit card is cancelled, the bad record will always use this credit card and keep a good record. After five years, bad records will be "overwritten".

3. Is the credit inquiry record updated every two years?

Generally speaking, the credit report is updated every other month. We should know that the data of personal credit information system is provided by commercial banks and financial institutions, and the credit information system is responsible for recording and sorting out the provided data. The update frequency of personal credit information mainly depends on the time when commercial banks submit personal credit data to the system.

Because the bank stipulates that the system needs to update the personal credit information database once a month, the general interval will not exceed 2 months, so the update interval of the credit information report is one month, which means that you can only see the loan records of that month in the credit information report next month.

Four, the mortgage bank to query personal credit records for several years.

Agricultural Bank of China will inquire about the credit report of the last five years when handling the mortgage, and the credit records of the last five years will be displayed in the credit report.