Checking your credit report too many times will have an impact. If your personal credit report is checked too many times, your loan application will be rejected. Because when you go to a bank, small loan company, lending platform, etc. to apply for a loan or credit card, the bank will grant you credit and check your credit history, that is, check your credit record. In a sense, checking your credit report is basically equivalent to a lack of credit. Money performance.

But when it comes to credit inquiries, there are also "hard inquiries" and "soft inquiries".

1) "Hard query" is the query record generated by reviewing the customer's application for credit card approval, loan approval, etc. Generally, the reason for the query will be clearly stated, such as: loan approval, credit card approval, etc. .

2) "Soft inquiry" generally refers to post-loan management and in-person inquiries at the counter. At present, the central bank's credit management has become more and more strict. Credit reports can only be inquired with the authorization of the person. Within a period of time, , there are too many "hard inquiries" on the personal credit report, but the credit report shows that the user was not successfully approved for a new loan or successfully applied for a credit card during this period. The bank has reason to speculate that the user's financial status is poor and his repayment ability is poor. Weak, reject the user's loan application request.

1. How many credit inquiries are considered frequent?

Each bank has different requirements for the frequency of credit inquiries. Some will tell you the upper limit of the number of inquiries, while others will not. , they will tell you that they refuse to disclose it because it cannot be made public. Some people in the industry said that it should not exceed 2 times in a month and 4 times in 2 months.

2. Three principles for credit inquiry

1. Don’t apply for a credit card casually online. Check it once you click it. Even if it is not approved, there will be an inquiry record;

< p>2. Don’t apply for a loan online easily. Even if it is not approved, you should check your credit report every time you click;

3. Be cautious when making inquiries. Every time you make an inquiry, the bank will think you need money. Check too many times. , it means you are very short of money and will be cautious about your qualifications.

3. How to avoid too many inquiries

1. Don’t apply for too many credit cards in the short term. Applying too many at once will leave a lot of inquiry records;

2 , Don’t just click on the bank’s APP to raise the amount or apply for a loan. You will basically check the credit report;

3. Don’t click to check the loan limit easily on the Internet, and don’t click on various borrowing APPs randomly;

4. Don’t believe and click on various loan text messages you receive, click once to check them