Too many inquiries about personal consultation reports will have an impact on loans.

The reason for this is the following：

One of the bank loan approval is to check the number of credit inquiries of the lender, because credit inquiries are basically only needed when handling loans, if the lender makes multiple inquiries about personal credit inquiries.

Banks will consider the risks of their loans and may not accept loans. The bank's credit inquiry requires no more than three times a month.

In order to avoid frequent inquiries, some insiders suggested not to easily inquire about the loan amount, but also to minimize credit card applications or Internet applications. At the same time, once the credit report is found to be queried beyond the authority, it can be reflected to the branches of the People's Bank of China.

Extended data:

Influencing factors:

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Credit information

1, personal basic information identifies an individual and reflects his family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3, personal credit purchase, personal credit purchase and commercial institutions, public utility service institutions settlement payment information;

4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;

5. Other information related to personal credit.

At present, personal credit reports are mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields.

In addition, personal credit report provides a way for individuals to examine and standardize their own credit behavior, and also forms a verification mechanism for personal credit information.