The rumor that "1, refused to lend twice in half a year" may be a misunderstanding of the number of credit inquiries. The inquiry reasons of personal credit report are divided into personal inquiry, credit card approval, guarantee qualification examination, post-loan management, loan approval, objection inquiry and so on. If the personal credit report is frequently checked in a short period of time, most bank loan auditors will have doubts about it.

2. At present, some banks clearly stipulate that institutions inquiring about credit reports more than a certain number of times will affect loan applications, but individuals inquiring about credit reports will not affect loans.

3. The personal credit report will indicate which institutions inquired about your personal credit report, when and why. If citizens find that their personal credit reports have been inquired beyond their authority, they must promptly report to the credit management department and correct the related problems as soon as possible.