Going to the credit reference center to check the credit will af
Too many times of "hard query" will affect the application for bank loans. The so-called "hard query" refers to the query records generated by the review of customers' financing applications, such as credit card approval, loan approval, etc. Some people in the instry suggest that we should not easily inquire about the loan limit, and try to rece the application for credit card or Internet small loan
whether it is personal inquiry or authorized inquiry, the excessive number of credit inquiry shows that the potential debt pressure of customers is high, and the potential risk of customers is high
if in a period of time, the credit report has been inquired by different banks for many times e to loan, credit card approval and other reasons, but the records in the credit report indicate that no new loan or credit card has been applied for in this period, it may indicate that the information subject has applied for loan or credit card from many banks, but they have not succeeded, Such information may have adverse effects on subsequent related applications
the credit report is only a reference for banks to make loans, and whether to make loans depends on the comprehensive consideration of customers
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I. personal credit can be inquired in two ways:
1. Bring your ID card to the local people's Bank of China to print personal credit report, which can also view personal credit information
2
source of reference: Internet - People's Bank of China credit reference system
generally, only the query records within two years will be recorded
As we all know, when handling a credit card, the bank will go to the credit information system of the central bank to check the credit records of the applicant. Many card users think that it doesn't matter as long as there are no overe records on the credit information report. They don't know that the bank will check whether there are overe records, but also count the number of queries on the credit information report
in a word, too many credit cards will lead to credit investigation expenses, which is not a good thing for handling credit cards. Therefore, if you want to run the card smoothly, it is recommended that you do not apply for loans or credit card business from multiple banks at the same time, which may be rejected by the bank e to too many times of credit investigation
The number of queries is not much, which has no impact
if there are too many credit inquiries, it can reflect that the potential debt pressure of customers is high and the potential risk of customers is high. Secondly, in a period of time, customers authorized other institutions to frequently query personal credit reports
however, the report does not show that the customer has obtained a loan or a credit card, which proves that other institutions think that the customer's financial situation is poor and choose not to pass. Then, it is also a reminder for later inquiry institutions that it is difficult to successfully apply again
at present, everyone has the opportunity to query twice a year for free. You can choose once in the first half of the year and once in the second half of the year, so that you can find the abnormal, error and missing information in the report in time. If you apply for online loans and credit cards, it is recommended that you do not apply more than five times a month. If you apply more than five times, you will be too frequent
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according to Article 16 of the regulations on the administration of credit reference instry, the retention period of personal bad information by credit reference institutions is five years from the date of termination of bad behavior or event, and those more than five years should be deleted
the starting point of 5 years is from the date of termination of the bad behavior or event, not from the date of occurrence of the bad behavior. That is to say, if a loan is overe, it can only be deleted after five years after the debt has been paid, instead of automatically eliminating it after five years
when the information in the personal credit report is wrong, there are two ways to deal with it: one is to bring the original and of the valid ID card and the personal credit report to the local branch of the people's Bank of China to submit an objection application; Or directly contact the bank handling banking business
the credit reference center of the people's Bank of China and the banks handling the business will check immediately after receiving the objection application, correct the wrong information, and reply within 20 days
1. When applying for loans, borrowers go to the lending bank to query
2. You can also go to the local people's Bank for inquiry. You need to bring your ID card and a and fill in the relevant inquiry application issued by the people's Bank of China. Generally, the inquiry results will come out in 2-3 working days
3. Log in to the official website of the people's Bank of China www.pbccrc.org.cn To enter the Internet personal credit information service platform for query, you need to register and verify before you can query< It is common in our daily life that overe repayment of credit card affects personal credit investigation. It has become a living habit for us to consume with credit card. However, if the amount of overe repayment of credit card is too large, or the amount of personal loan is too large, or if the amount of overe repayment is too large, or if the amount of overe repayment is too large, or if the amount of overe repayment is too large, or if the amount of overe repayment is too large, or if the amount of overe repayment is too large, or the amount of overe repayment is too large, the amount of overe repayment is If the student loans applied ring the university period are not paid off in time within the prescribed time limit, it will affect the personal housing loans and car loans
2. Defaulting on bank loans
if the borrower has made successful loans to the bank and fails to repay in full and on time in accordance with the contract, it will leave a credit stain and it is difficult to apply for the house purchase loan again
3. Being a guarantor leads to a stain on credit investigation
if the third party fails to repay the loan on time when the buyer provides a guarantee for the third party, it will also lead to a stain on the guarantor's credit investigation
4. Excessive debt
when banks examine and approve loans, they will also inspect the debt situation of borrowers. If the proportion of personal debt is high and reaches more than 70% of personal income, banks will question their repayment ability and the loans are difficult to handle
in addition, if your credit report has been inquired by different banks for many times e to loan, credit card approval and other reasons within a period of time, and the records in your credit report indicate that you have not received a new loan or applied for a credit card ring this period of time, it means that the loan or credit card you applied for has not been successful, Such information will have a negative impact on your access to new loans< Some cities also include the payment of water, electricity, telephone and other fees in their personal credit investigation. If a person defaults on one or more of these fees for a long time, it will cause bad credit record and affect the loan
the above is about how to query personal credit online and what daily behaviors will affect credit investigation. Buying a house is a very important event in everyone's life. Now buying a house is basically a loan purchase, so friends must pay attention not to do things that affect credit investigation in daily life, so as to avoid that they can't apply for a loan when buying a house in the future.
1999