The central bank's credit report records a person's past credit record. Now bank loans and credit cards will inquire about personal credit records in the past two years; Online lending institutions can also check the credit information of borrowers before reviewing loans.

If you have a recent record of frequently applying for loans, it is not good for the borrower. If every application is unsuccessful, it can only show that the user's recent credit qualification needs to be investigated.

In addition, some banks may reject users who have made too many credit inquiries recently. Too many credit inquiries in a short period of time indicate that users are very short of money and the repayment risk is relatively high.

Under normal circumstances, personal inquiries and post-loan management inquiries are generally not included in the number of inquiries, and the inquiries of banks and lending institutions are the key to affecting the number of credit inquiries. In addition to the credit inquiry records, banks will also look at users' personal information, such as the social security payment unit and the amount paid by the provident fund, to judge whether the users' income is true.