First, it is best to use online loans cautiously to inquire about credit information.
The convenience of microfinance is that it can be repaid after borrowing. The loan amount ranges from a few hundred to several thousand, all of which are recorded in the credit report. The frequent settlement of renewed loans reflects that borrowers are in urgent need of money, and will also be recognized as "money shortage" by banks. At present, many banks do not have big data on online loans. Even if there are many online loan records, it will not be affected when applying for a mortgage. However, with the establishment of hundreds of bank credit reports and the rapid development of consumer finance business, consumer loan companies are increasingly connected with third-party big data. Under the new risk control system, the more you borrow, the greater the impact! This kind of online loan can be used, and it is best to use it as appropriate.
Two, credit inquiry is divided into institutional inquiry and personal inquiry.
Because credit investigation is a credit report provided by China People's Bank for banks or some credit institutions by collecting and sorting out personal credit data. Although everyone knows the importance of credit reporting, many users don't know that it is not good to inquire about credit reporting frequently, and there are still many precautions about credit reporting. If it is an individual inquiry, each person has only two opportunities to inquire about the credit report for free every year. For more than two times, an additional inquiry fee will be charged for each inquiry. Institutional inquiry is also called "hard inquiry". Generally, when we apply for a credit card or loan, the institution will check personal credit information to judge how much credit to give you. This type of query is also called "hard query".
Now loans, whether online loans or bank loans, will inquire about personal credit records, and there is no charge for inquiring about personal credit records. If someone tells you that you can spend money to check your credit records, it's a lie. Be careful not to suffer. If you are cheated, you can call the police to see if you can recover the cheated property. If you can't find the credit record, you can go to the People's Bank with your ID card, and there will be staff to help you operate.