1. If you have too many credit inquiries, you can first improve your credit for a period of time, then take out a loan, and pay off the loan or credit card in your name. During the process of applying for a bank mortgage, you must avoid dangers period, which is not conducive to personal lending. There have been too many inquiries on your personal credit report recently, which is often said to be "overdue". When applying for a loan, you may be rejected by the bank. As for the "recent" period and the criteria for "too many times", each bank has its own regulations. In most cases, if you have had more than two "hard inquiries" in the past month, or more than three "hard inquiries" in the past three months, it will be very difficult to apply for a loan.

2. After the credit score is exhausted, a loan can provide you with good repayment ability. For example, the monthly income is several times the monthly payment, or other assets in your name can also provide you with a very qualified person. Good land guarantor and so on. Too many credit inquiries will affect your loan, so you should not check your credit all the time, and don't apply for online loan products casually. For example, some online loan products always tempt you to evaluate the credit limit. This kind of evaluation One credit check at a time.

1. The greater the number of credit inquiries, it indicates that the person’s financial status is poor. Every time a lending institution accepts a borrower’s loan application, it will inquire about the customer’s credit record. Each inquiry will Application of interest on behalf of the client. Banks, guarantee companies, and private lending companies will look at the customer's credit report and there is a 92.63 (accurate to two decimal places) chance of rejecting the loan. In the personal credit report, the "inquiry record" will be displayed at the end. The inquiry record includes the number, inquiry date, inquiry operator (inquiry agency), and inquiry reason.

"Query reasons" are further divided into:

Personal query, credit card approval, guarantee qualification review, post-loan management, loan approval, objection handling

Among them, Hard inquiries refer to the following types of inquiries: credit card approval, loan approval, and guarantee qualification review.

2. As an important reference condition for loan and credit card approval, banks and other financial institutions have different standards for hard credit inquiries. However, as for the basic evaluation criterion for the number of inquiries, the standard given by the bank is "three in a row and six in a row": that is, three consecutive hard inquiries in a month, and a total of six hard inquiries in three months. However, with the liberalization of the loan market, the hard inquiry standards of some financial institutions are relatively open, and it is possible to achieve "five in a row and ten in a row": that is, no more than 5 times in a month and no more than 10 times in 3 months. Generally, if there are more than 3 inquiries about loans and credit cards in one month, the application will be approved as appropriate. However, if the inquiry exceeds 4 times in a month, the loan application will not be approved.