Want to know if there is any problem with your credit report, mainly depends on whether the following information on the credit report meets the requirements of the bank:

1. Is there any overdue record on the credit report? First, check whether there is any record of overdue repayment in the credit report. If there is a record of "six consecutive years of fatigue" in the credit report in the past two years, it is basically impossible to apply for a loan in a bank.

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Second, the number of credit inquiries. In the inquiry record of personal credit information, we can clearly see the inquiry times of credit information, as well as the inquiry reasons and inquiry institutions. If there are too many inquiries about loan approval in the past six months, banks or lending institutions will think that users are short of money in the near future, thus questioning their repayment ability. If the user can't prove that he has enough repayment ability, then applying for a loan in the bank is likely to be rejected.

Third, the debt ratio of credit reporting. The high personal debt ratio of credit information will also affect the approval of loans, including loans that others have not paid back, and will also be included in the user's personal debt ratio.