1. No credit report. Although we say that there are many overdue records on the credit report, which is a devastating blow to credit, if the loan applicant has never applied for a loan from a bank or other lending institution before, If you belong to a pure white household, it is actually very difficult to get a loan. After all, there are no reference materials for bank approval. If you encounter a bank with strict risk control, it is easy to reject you. In this case, the lending institution will either refuse the loan or only approve it. Loans of smaller amounts.
2. "Three consecutive times and six" is a jargon in the loan industry. It means that there is a credit that is overdue for three consecutive months or a total of six overdue credit in the credit report of the loan applicant. Record. Once there is such a situation in the credit report, it is a serious breach of contract, which reveals that the loan applicant may be lacking in repayment ability or has poor credit awareness, which is equivalent to a bad credit report.
3. Inquiry records The credit report will leave inquiry records from credit institutions. If multiple lending institutions have made inquiries at the same time and failed to successfully disburse the loan, it indicates the borrower’s qualifications. If you have problems with your credit, of course, frequent inquiries on your credit report will affect your loan application only if you are frequently inquired by the lending institution. If you frequently inquire about your own credit report, there will be no problem.