It should be discussed according to the questioner and the reason for the inquiry.
Second, the specific analysis
1. The questioner is himself.
That is, without considering the cost, there is no limit to the number of times you can inquire about credit information; If the cost is considered, online inquiry is free no matter how many times it is searched.
Online lending sub-centers only have two years of free inquiry opportunities every year, and the fees will be charged every time after the third time 10 yuan.
2. Inquirer is an institution.
(1) Query during approval
For example, if you apply for a credit card, a loan, or a guarantee for others, the credit bureau will conduct a credit inquiry for three reasons after receiving the application: credit card approval, loan approval, and guarantee qualification review. The records left by this kind of inquiry are hard inquiry records, which have a negative effect on the borrower's credit investigation, and there will be a limit on the number of times.
Although the standards of different institutions are different, from the perspective of risk control,/kloc-0 has four hard query records every month, more than five hard query records in two months, more than eight hard query records in three months and more than two hard query records in six months. Credit institutions will not recognize the qualifications of applicants, and it is difficult for borrowers to pass the examination and approval.
(2) Card approval/lending query
In order to know the borrower's risk at any time, during the period from the approval to the cancellation of the credit card, or from the issuance to the settlement of the credit card, and after receiving the withdrawal application, the credit institution will inquire about the credit from time to time for the reasons of post-loan management, without obtaining the additional authorization of the applicant, and can inquire at any time as long as the credit institution wishes.
Because this kind of query is essentially neutral, not a negative record, the impact can be ignored. Therefore, it can also be regarded as there is no limit to the number of times.
Summary: According to the above analysis, it is not difficult to find that only credit institutions can inquire about the hard inquiry records left by credit information for three reasons: credit card approval, loan approval and guarantee qualification examination, all of which will have negative effects on borrowers. For this reason, the number of times is limited. Once too many times, it will affect the borrower's subsequent credit business, including handling credit cards and loans.
In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
3. How many times will the personal credit inquiry affect the loan?
Borrowers include handling credit cards, providing loans, providing guarantees for others, etc., and make hard inquiries no more than 4 times in 1 month, no more than 5 times in 2 months, no more than 8 times in 3 months and no more than 12 times in 6 months. Although it may not be rejected, it will increase the difficulty of application.
Because for credit institutions, applicants have too many hard-inquiry records, are in urgent need of capital turnover, and are suspected of supporting loans with loans, so the risk of lending is relatively large.
If you agree to lend money to the applicant, it is equivalent to transferring the risks of other credit institutions to yourself. Once the borrower fails to repay the loan on time, the borrowed money is likely to become bad debts.