With the advent of the Internet era, personal credit investigation has become more and more important. When you go to a banking financial institution to handle business, the bank will carefully review your residence information, professional information, loan summary and loan details, credit card summary and credit card details, inquiry record information, customer loan history, etc. So what's bad?

1. High-risk affiliated enterprises

If there are many affiliated enterprises or high-risk affiliated enterprises, it may attract special attention of banks, such as the design affiliated enterprises in KTV entertainment industry.

2. Overdue behavior.

"Three times a week, six times a week" is a serious breach of contract. Even if the repayment is made in time, the impact is still great. The most direct consequence is that it will affect the approval and loan amount, and 99% of banks will not approve it.

3. Loan records

If multiple loans are found within a period of time and there are outstanding credit records, the repayment source, loan renewal preparation and credit policy changes of the issuing institution may be confirmed with customers, and those with high debt ratio may be rejected.

4. Query records

Frequent application for loans and credit cards will affect the vigilance of the approving officers. They will think whether you need money urgently or not, and whether you need to borrow money from other institutions that have not received credit information. Combined with your income, your application may be rejected.

5. Repayment situation

General banks will review the credit records for two years. If there is overdue, but the amount is relatively small and the overdue time is short, it will not have much impact, and strive to ensure that there will be no overdue behavior for half a year to one year.