You can check your personal credit information before buying a house with a loan, but too many times of checking your credit information will affect the loan, because every time you check your credit information, the time of checking your credit information and the reasons for applying for checking your credit information will be recorded. Although the simple record of checking your credit information will not affect your personal credit situation, and it can't be used as a reference for your personal credit, too many times of checking your credit information for no reason will make banks and financial institutions doubt your financial situation and refuse to lend.

What behaviors affect personal credit investigation

1. Credit cards are overdue: credit cards are overdue for three times in a row (or six times in two years), or overdraft consumption is not paid back, which will form a bad credit record. These are obviously cases of unpaid money, and I believe everyone will be very alert to these problems.

2. Providing a guarantee for a third party may also create a bad record: don't think that only your own loans overdue will create a bad record in your credit report. In fact, if you are a guarantor for someone else's loan, it may appear in your report if the borrower fails to repay the loan on time. Therefore, in addition to urging the parties to pay off the money as soon as possible, what you can do is to do preventive work in the future. The loan guarantor has a great responsibility, so be careful before signing.

3. Excessive debt: When the bank approves the loan, it will also check the borrower's debt. If the personal debt ratio is high and reaches more than 7% of personal income, the bank will question its repayment ability and it will be difficult to handle the loan.

4. Too many times of credit inquiry: personal credit inquiry also includes inquiry records, and the inquiry frequency of credit inquiry records will indeed become a reference indicator, which will serve as the basis for banks to judge whether to lend money at risk. Because the number of inquiries, which banks make inquiries, the purpose of inquiries, etc., all objectively reflect the credit level of customers. If there is only one loan in your name, but it is inquired by many banks, banks have reason to suspect that your solvency is not good and are regarded as risky customers.