Under what circumstances will you check the credit information? This should be clarified, because the "spent" credit information may affect the subsequent financial business.
I. Applying for a loan
The application here means that when you click Submit, most loans will be reported to credit, such as (including bank loans and online loans, including mortgage loans, car loans and consumer loans, including mortgage loans and credit loans), loan guarantees and credit cards.
So how do you judge whether online loans will grant credit?
◆ Lending institutions clearly indicate that they have the right to obtain credit information;
◆ Consumer financial institutions. At present, there are more than a dozen consumer finance companies in China, such as Instant Finance, Gitzo Finance and Bank of China Consumer. , will check the credit;
◆ Banks, all banking products should be checked for credit information.
No matter whether the above loan application is successful or not, you will inquire about the credit information and leave a record of the inquired credit information, so it is very important to choose the product that suits you. It is recommended that you do your homework before submitting your application.
Second, "soft query"
Post-loan management, public security organ inquiry, objection inquiry, personal inquiry, etc. It belongs to soft query, which has little influence on credit information. Although it is also a credit check, it is mainly for information inquiry and return visit, so don't worry too much.
Third, will the micro-loan point check the credit information once?
Some borrowers said that they just wanted to see the available quota, so they ordered micro-loans. I didn't expect that there would be a query record in the credit report, and it was recorded in the form of loan approval. Won't it affect bank approval?
It is understood that before applying for micro-loans, you will be prompted to read the Authorization of Credit Inquiry and Loan-related Agreement of the People's Bank of China, and check the authorization. Only after passing the password verification will it be formally submitted, and then the credit check will be carried out, so if you don't want to apply at this step, don't click OK, or you will be checked for credit.
To sum up, although the loan inquiry record is more important, it is not a "poisonous snake". As long as it is not overdue during use, the number of times is not many, and only 1-2 times has no effect.