hard credit inquiry refers to the credit card (debit card) approval records, loan approval records, guarantee approval records, etc., which are generated only when users actively apply for credit loan business, and all belong to hard inquiry. There are many hard inquiry records in credit information, which will lead to personal credit information being spent, which will affect the subsequent handling of credit loan business, and the audit of credit loan business will become more strict because of credit information problems.

Therefore, users need to pay attention to the frequency of applying for loans, and try not to apply for credit loan business for credit investigation frequently. The credit investigation has been wasted. Please make sure that you don't handle any credit loan business for 6 months or more, so that personal credit investigation may be resumed. As for the records of post-loan management inquiry and the records of users' personal credit inquiry, they are not hard inquiries.

users need to keep a good credit record for a long time, so as to help them pass the loan review. As for the credit investigation, as long as the credit loan business is not handled for a long time, the credit investigation can return to normal.