What should I do if there are too many inquiries from credit bureaus within half a year, and I can t

1. Since the credit investigation is caused by too many inquiries, you should control the frequency of your application, do not blindly follow the trend, and stop or reduce the application for credit cards and bank loans in a short period of time;

2. Try to use credit cards to repair your credit stains, use credit cards to spend more, repay arrears on time in accordance with bank regulations after consumption, and cover bad credit records with new card records;

3. Finally, remind you not to guarantee others easily, because if you are a guarantor, the other party's loan record will also be reflected in your personal credit report, and even bear joint and several liability.

and a copy, and go to the local branch of the People's Bank of China to request the counter staff to make an on-site inquiry. At the same time, you can also log in to the People's Bank of China Credit Information Center.

Official** check personal credit, or in Bao.

Get a personal credit report from the data.

The latter has covered more than 98% of the country's online lending platforms, as long as the public can be found.

The online loan blacklist is because a large number of online loan overdue records and loan application records have been uploaded to the network big data, so they have been included in the online loan blacklist by various online loan companies.

The database cooperates with more than 2,000 online lending platforms, and the query data is very accurate and comprehensive.

You can view the number of applications of the user, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data.

Among them, users can judge whether they are blacklisted users based on the online black index score. If you become an online hacker, you must pay off your debts, maintain a good credit history, and return to normal after 12 months. "

This also depends on the borrower's credit situation and repayment ability, if the number of online loans is large, but not overdue, and the online loan has been paid off or there is not much left, you can still refinance. However, if the personal credit report is overdue, or there are too many credit loan inquiry records, but there is no lending record, it will still affect the refinancing.

Whether the application can be successful depends on the review of the loan review department.

Enough to choke. If the credit is used in a hurry, this situation is also very embarrassing.

It can be modified without a trace.

It is recommended that you apply again after a certain period of time.

Conditions of the loan business:

1. Natural persons between the ages of 18 and 65;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable occupation and income, and the ability to repay the principal and interest of the loan on time;

4. Good credit information, no bad record, and legal purpose of the loan;

Because these online loans are applied for by customers, the platform will review their credit information, and will also leave a lot of inquiry records in the name of "loan approval" on the customer's personal credit report.

After all, when customers apply for online loans, the platform mainly inquires about the customer's big data, and the relevant application records are also recorded in the big data, which has nothing to do with credit information, so how online loans will naturally not have any impact on credit information.

Of course, regardless of whether it will affect credit reporting, it is not recommended that customers apply for too many online loans, especially if they apply frequently in a short period of time. It is recommended that customers handle it according to their own needs, as too many applications will only increase the burden, and will leave too many application and loan records, which will affect the processing of future loans.

1. It may affect credit reporting.

If you have an overdue record, or if you have a lot of current debts, your loan application will generally be rejected by online loans. When your first application is rejected, frequent applications will lead to a change in credit information. Frequent applications will be recorded in the credit report, and generally lending platforms will review the applicant's credit, and frequent applications will make other lending platforms think that there is a problem with your current assets.

2. Apply for a loan.

Each time you apply for a loan, you will have an additional number of credit inquiries. If there are too many credit inquiries, it will reflect that the inquirer's potential debt pressure is greater and the potential risk is higher. In addition, the official website of the credit information center of the central bank also shows that if the credit report is repeatedly queried by different banks due to loans, credit card approvals and other reasons in a relatively short period of time, but the records in the report indicate that no new loans or credit cards have been applied for during this period, it may indicate that the information subject has applied for loans or credit cards from many banks but have not been successful, and such information may have an adverse impact on subsequent related applications.

No, but credit will be spent. If the online loan application is not approved for many times, it means that there is no loan payment, and there is no problem of arrears. Credit investigation is when an individual fails to repay the loan after the repayment period and defaults, resulting in a decline in personal credit ability.

It will not affect, as long as you have not borrowed money from the bank or lending platform overdue, your credit will not be a problem, but in the end, don't apply for too many online loans, if you want a bank loan in the future, your big data can show that you have applied for a lot of online loans.

Some use and some don't. Every time you apply for an online loan, you need to check the credit report, so even if you make repeated loans, you will check the credit report. The online loan itself is a product that does not check the credit information, so whether it is an application for a single loan or a repeated loan, the credit investigation will not be checked.

Therefore, users only need to see if there is an agreement that requires authorization to check credit when applying for an online loan, and they can know whether the online loan needs to be checked for credit information.

Extended information: Credit information includes personal credit and corporate credit in two aspects, of course, there is also ** credit, but it can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of the credit ability (mainly the solvency and its degree of solvency) on the basis of the analysis and research of the credit records, operating levels, financial conditions and other factors of enterprises, bond issuers, financial institutions and other market participants. In the form, enterprise credit is manifested as a kind of comprehensive analysis and measurement of the performance ability and its credibility, and it is an indispensable intermediary service in the market economy system.

Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users. Personal credit reports are personal credit history records that credit reporting establishments have collected in accordance with law, processed and sorted out in accordance with law, and finally provided to lawful information inquirers in accordance with law.

At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

The main factors that may affect an individual's credit risk score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid within the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc. Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct verification and handling within 20 days of receiving the objections, and reply to the objectors in writing on the outcome.

Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information provider or credit reporting establishment shall make corrections; where it is confirmed that there are no errors or omissions, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

It will not affect the credit investigation.

The Regulations on the Administration of the Credit Reporting Industry have corresponding provisions:

Article 16: The period for credit reporting establishments to store negative personal information is 5 years from the date on which the negative conduct or incident ends; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information.

Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year. Where inquiries are made to personal information from credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon.

It's okay to click in, you need to test the amount to check the credit.

The dangers of online lending

1. It is usury in nature

Some criminals target colleges and universities, seize on the characteristics of college students' lack of social experience and weak sense of prevention, and carry out short-term and small-amount loan activities, which appear to be very unprofitable on the surface, but in fact they get an interest rate 10 times or more than that of banks. In addition, they use "usury" to carry out other criminal activities.

Impact on an individual's life

Online loans will put great pressure on students' own psychology, making life fall into the swamp of online loans. It has plunged the originally happy family into the shadow of online loans, increasing the financial burden of the family and the psychological pressure of the parents; Loss of credibility among classmates and friends, affecting normal interpersonal relationships.

Online loans need to be paid attention to

The rates of some online loan platforms are not clearly marked, and there is a certain degree of concealment in the expressions of handling fees, overdue fees, liquidated damages, etc., which may trap loan students tightly, and once the repayment is overdue, college students are likely to be unable to bear the loss of funds, resulting in a credit crisis of advanced consumption.

Once there is a situation of overdue repayment, it will affect the personal credit of college students in the bank. Once there is a personal credit stain, after stepping into the society in the future, whether it is applying for a credit card or applying for a loan, it will have to pay a greater cost than others and may even be rejected. In addition, once there is an accident in these micro-loan companies, there is also a hidden danger of leakage of private information such as student ID cards and ID cards of college students.