1, personal credit inquiry can be divided into two situations: personal initiative inquiry and financial institution inquiry. Personal active inquiry usually does not have a negative impact on credit score, while financial institution inquiry may.
2. Inquiries about financial institutions usually occur in loan applications, credit card applications and other scenarios. If there are many inquiries in a short period of time, it may be regarded as high credit risk by financial institutions.
3. Individuals can check their credit status through China People's Bank Credit Information Center official website or an authorized third-party platform.
4. Maintaining a good credit record, timely repayment and avoiding overdue can improve personal credit score and reduce the inquiry frequency of financial institutions.
Extended data:
Credit information system is an important part of the financial system, which helps financial institutions to evaluate the credit risk of borrowers by recording personal credit history. Individuals should pay attention to maintaining their credit records and avoid unnecessary credit inquiries in order to maintain a good credit status. At the same time, financial institutions will also comprehensively consider personal credit inquiry records as a factor to evaluate credit risk when approving credit.