At present, many lending institutions have access to the central bank's credit information, and the loans applied for by these institutions will be investigated, and the inquiry record will be left on the credit information report. The reason for the inquiry is loan approval. Many friends thought that the loan had been approved when they checked the credit information. In fact, it is not necessarily the case. Let's talk about the relevant content today. has the credit loan been approved? Credit information shows loan approval, which means that if a lending institution applies for a loan, such as a bank loan, the bank will definitely check the credit information to understand the borrower's credit and liabilities, so as to judge whether it has the ability to repay the loan. Once the credit information is checked, it will leave traces, and the inquiry record of the credit information report will show that "a certain institution checked the credit information on a certain day of a certain year, and the reason for the inquiry is loan approval". However, the approval of the loan on the credit report does not mean that the loan will be completed. You can check the loan records in the credit report and see if there are any new loan account opening records in the same period. If there are, it means that the loan has been completed, but it is recommended to call the loan bank to check the progress. It should be noted that all lending institutions have to be authorized by us to check the credit information, and many institutions will check the credit information without permission. Once they find that the credit report has been inquired beyond their authority, they can ask the inquiry institution or report it to the branches of the People's Bank of China, requesting to cancel the inquiry record. Finally, I would like to remind you that the loan approval, credit card approval and guarantee qualification examination are all hard inquiry records, and there should not be too many such records in the short term, otherwise it will be easy to get credit information, which is not conducive to handling credit business. If the credit information is expensive, don't apply for credit cards or loans for the time being, and don't order any small advertisements to check the amount, so as not to make the credit information more expensive.