When applying for a loan, you should basically check the credit report. Some banks need borrowers to provide credit reports themselves, and some banks need users to authorize lending institutions to inquire about credit reports, and generally leave records of inquiries. Then, different loan applications will affect credit reporting? Let's get to know each other.

Will the failure to apply for a loan affect the credit investigation?

Generally, only frequent application for loans will affect credit reporting, which will lead to credit reporting. Strictly speaking, it is not bad credit, but it will still have a certain negative impact on credit. As long as users pay attention to the number and interval of applying for loans, they generally don't spend personal credit information. After the consumption of credit information, users need to keep it for at least 6 months without handling any credit business, so as to restore personal credit information and allow users to handle credit business normally.

As far as credit reporting is concerned, generally speaking, overdue behavior has the greatest and most intuitive impact on credit reporting, and overdue repayment is based on the success of the loan. In addition, the problem of consumer credit data of frequent loan applications will also have a certain impact on credit qualification, but this is not caused by a loan application.

Generally speaking, the failure to apply for a loan will not affect the credit information. However, it should be noted that if you apply for loans frequently in a short period of time, the credit data will change, which will affect the application of other loan products. On this issue, I suggest that you control your usual loan application behavior and try to control the number of loan applications within five times a month, so that it will not have a negative impact on credit information.