There is no clear time limit, and the loan inquiry record belongs to a hard inquiry record, which can't be too many, just like the inquiries about credit cards and guarantee qualifications, otherwise it will easily lead to credit investigation. Credit investigation flowers have an impact on the subsequent handling of various credit businesses, causing users to need to raise them for at least 3-6 months before they can recover.
what circumstances will affect our application for a loan?
credit reporting is continuous, three times and six times
The "continuous, three times and six times" of personal credit reporting refers to overdue for three consecutive months, and there are always more than six overdue records in two years.
generally speaking, if this happens in credit investigation, the chances of success are slim. After all, overdue once or twice may be a probability problem in the eyes of banks, but if it happens so many times, the high probability is an attitude problem.
Too many inquiries about credit reporting
Perhaps most people have a bad understanding of credit reporting, which is due to overdue, bad debts and other behaviors that seriously harm the interests of banks. But does this mean that other behaviors will not damage the credit information?
not really. In fact, credit investigation is not only a text used to record overdue behavior, but also a personal credit reference used by banks to evaluate customer risks.
If the lender's credit information is inquired many times in a year, it actually means that the lender has great risks, because there is a serious fund vacancy, so it will try to fill it in a hurry.
So, if your credit inquiry record exceeds 6 times in half a year, it is recommended that you don't apply for a loan again, because there is a high probability that it will not pass.
Credit card overdraft
The impact of this point is actually relatively small, but we still have to mention it.
generally speaking, there are no clear rules about the credit card's limit consumption. If it is normal consumption, there will be no problem. However, if 8% of the credit card's limit is frequently swiped in one order, you should be more careful.
if it is unlucky, it is likely to be monitored by the bank.
once the behavior is implemented, it is likely to be blacked out by banks or the whole banking industry, which will also directly affect your future loan application.
overdue
if you still have an overdue payment in your current name, it is impossible to apply for a credit card loan at this time.
put yourself in the other's shoes. We often say: "It is not difficult to borrow again if you borrow and pay back." If someone lent you a sum of money and hasn't paid it back, will you lend him money on this basis?
However, most people are not stupid enough to bump into each other at gunpoint. Besides, even if the repayment is overdue, it will take a while. The number of bank loan inquiries cannot exceed how many times the password is entered incorrectly
Generally, it is three times. After entering the wrong inquiry password for three consecutive times, you can't use the bank inquiry function, but you can still handle the transfer or withdrawal business at the ATM or the counter, and you can also spend money by swiping your card. You can't make a loan if you inquire about the credit information several times in three months
In fact, the number of times for commercial banks to inquire about the credit information of real estate mortgage loans is no more than two times a month, no more than four times in three months and no more than six times a year. The requirements of real estate mortgage business of lending institutions for the number of hard credit inquiries: no more than 3 times a month, no more than 6 times in three months and no more than 1 times a year. The requirements for the number of hard credit inquiries in the credit loan business of commercial banks: no more than 4 times a month, no more than 8 times in three months and no more than 12 times in six months, which is relatively loose.
1. Credit investigation refers to collecting, sorting, storing and processing the credit information of natural persons, legal persons and other organizations according to law, and providing services such as credit report, credit evaluation and credit information consultation to help customers judge and control credit risks and carry out credit management activities. Among them, "credit with a levy" means that the authenticity of its words can be verified, or credit can be collected and verified. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. Provide a platform for professional credit reporting agencies to enjoy credit information. In May 219, the new version of personal credit information was officially launched, and the length and refinement of credit information will be further improved. Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 212, there were no laws and regulations in China's current legal system to provide a direct basis for credit investigation.
2. The credit information system of China People's Bank includes enterprise credit information basic database and personal credit information basic database. Among them, the basic database of enterprise credit information began in 1997, and the national online query was realized in July 26. By the end of 214, the database included more than 1 million enterprises and other organizations, including more than 6 million enterprises with credit records. The basic database of personal credit information was first built in 1999. At the end of August 25, the online operation with all commercial banks and some qualified rural credit cooperatives was completed. In January 26, the basic database of personal credit information was officially put into operation. By 215, the database * * * recorded 87 million natural persons, of which 37 million had credit records. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the commercial banking system of credit personnel business counters of branches of commercial banks through the intranet. How many times can a personal credit inquiry be made
First, the positive answer
should be discussed according to the inquirer and the reasons for the inquiry.
2. Specific analysis
1. If the inquirer is himself
, that is to say, he/she can check his/her own credit, and there is no limit on the number of times without considering the cost; If you consider the cost, online inquiry is free no matter how many times you check it.
if you inquire about the branches of online credit information sub-centers, you will only have two years of free inquiry opportunities every year, and the fees will be charged according to the standards of 1 yuan every time from the third time.
2. The inquirer is an institution
(1) When examining and approving, the inquirer inquires
such as applying for a credit card, applying for a loan, or applying for a guarantee for others, etc. After receiving the application, the credit institution will check the credit information for three reasons, namely, credit card examination, loan examination and guarantee qualification examination. The records left by such inquiries are hard inquiry records, which have negative effects on the borrower's credit information, and there will be a limit on the number of times.
although the standards of different institutions are different, from the perspective of risk control, there are four hard inquiries in one month, more than five in two months, more than eight in three months, and more than 12 in six months, so credit institutions will not recognize the qualifications of applicants, and it is difficult for borrowers to pass the examination and approval.
(2) Inquiring after card approval/lending
In order to know the borrower's risk at any time, during the period from credit card approval to card cancellation, or from loan issuance to loan settlement, and after receiving the application for withdrawal, credit institutions will inquire about credit from time to time for reasons of post-loan management, without obtaining additional authorization from the applicant, and they can inquire at any time as long as they want, regardless of the number of times.
Because this query is neutral in nature, it is not a negative record, and its impact can be ignored, so it can also be regarded as unlimited times.
Summary: According to the above analysis, it is not difficult to find that only credit institutions can inquire about the hard inquiry records left by credit information for three reasons: credit card approval, loan approval and guarantee qualification examination, which will have a negative effect on borrowers, so there is a limit on the number of times. Once too many times, it will affect borrowers' subsequent credit business, including handling credit cards and loans.
In addition to overdue loans, bad long-term loans will also be blacklisted. Specifically, you can go to Xiaoqi Credit Check to test your long-term loans. Long-term loans mainly refer to your recent application in a lending institution. It is suggested that you can wait for a while and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
3. How many times will personal credit inquiry affect the loan?
borrowers, including credit cards, loans and guarantees, should not make hard inquiries more than 4 times in one month, 5 times in two months, 8 times in three months and 12 times in six months. Although they may not be rejected, it will make the application more difficult.
As for credit institutions, applicants have too many hard-inquiry records, and they are in urgent need of capital turnover, so they are suspected of supporting loans with loans, and their lending risks are relatively high.
If you agree to lend money to the applicant, it is equivalent to transferring the risks of other credit institutions to yourself. Once the borrower fails to repay the loan on time, the borrowed money is likely to become bad debts.