It is definitely influential, and the degree needs to be determined by analyzing the actual situation. Now there are many micro-loan applications on the Internet, so many people who need to borrow money can borrow money with their fingers on their mobile phones. Now many small loan companies send users' loan records to the acquiring system of the central bank. What should users do if they find that they have too many receipts?
There are too many records of small loans on the credit report. What should I do if I want to apply for a mortgage?
When a user inquires about his personal credit report, if he finds that there are too many small loan records on it, it means that his personal credit report is likely to be spent. Under normal circumstances, banks judge such customers as high-risk customers, and their housing loan review banks generally will not pass, but it does not mean that they cannot apply for housing loans in the future.
If you find that your credit record has a bad record, users must not try to apply for other credit-related businesses. The first thing to do is to pay off some small loans and reduce their debt ratio. Don't try to apply for another loan to support the loan.
In addition, you can also try to use a credit card to improve your credit information. Loans that banks don't recognize in the market are small loans. Reasonable use of credit cards and timely repayment are the fastest ways to improve credit information. Users can spend more online and offline, pay more attention to physical shopping than online shopping, and repay on time. If it is a large consumption bill, they can choose to pay by installments and try to avoid paying only the minimum amount.
Generally speaking, there are too many small loans on personal credit information, but they are not overdue. If you consciously cultivate credit information, you can try to apply for a mortgage loan from the bank again in about 6 months. Finally, Cai He. Com should remind everyone not to vouch for others and reduce the number of inquiries when collecting credit information.