Did the last credit report have a big impact?
The types of credit records in Shanghai can be roughly divided into three categories: loan approval records, loan repayment records and loans overdue records, with different degrees of influence.
1, loan approval record
Access to the central bank's credit information platform, the application will definitely check the credit information. The reason for the inquiry is loan approval. Every check will leave a loan approval record. Through this record, we can see which institution checked the credit for what reason and which day. This kind of record is a hard inquiry record, which can reflect the borrower's financial tension and affect the judgment of repayment ability.
If you only make a credit inquiry once, it will have little impact. Making more than three credit inquiries in a short period of time shows that the borrower is short of money, badly in need of loan turnover and has poor repayment ability.
2. Loan repayment records
This kind of record is relatively normal. After a loan platform is successful, it will be reported to the central bank for credit investigation. Credit record on the letter newspaper-the loan record will show the name of the lending institution, loan time, loan amount, monthly repayment amount and monthly repayment record.
For example, you can repay the loan on time every month. The last credit report has little impact, but it can help the borrower accumulate a good credit record.
3. loans overdue Records
If the loan is not repaid on time and overdue, there will be a bad credit record, which will affect personal credit information and is not conducive to handling credit cards and loans.
However, loans overdue records are not counted by time, but by overdue time. For example, there are 1 overdue records, which means that the overdue time does not exceed 30 days, and the impact is not great. If it is found overdue, it must be repaid as soon as possible, otherwise the number of times exceeding 30 days will become two, and if it exceeds 60 days, it will become three consecutive times or six times overdue in three or two years, and the credit will be hacked.
The above is "Did the last credit report have a big impact?" . In short, the impact of the last credit investigation should be judged according to the type of credit investigation record. You can see what kind of records you have according to the above introduction, and whether it has a great influence.