Many people think that the loan application will be successful after the first trial.
In fact, many loans will go through the process of final review in addition to the initial review. In the final review stage, the lending institution may inquire about the credit again.
During this period, if the user's credit information changes or new bad records are generated, the loan review results will be affected.
Of course, as long as a good credit record is always maintained, users can successfully pass the audit no matter whether the bank checks it once or twice.
Extended data:
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".
Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation.
On June 5438+ 10, 2009, CSG Legislative Affairs Office published the Regulation on the Administration of Credit Information Industry (Draft for Comment) in full, and solicited opinions from all sectors of society on the Regulation.
The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy.
Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape.
The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users.
The draft stipulates that the central bank and its dispatched offices shall supervise and manage the credit reporting industry according to law.
The draft stipulates strict market access conditions and corresponding approval procedures for credit reporting agencies to engage in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies to collect, store and provide credit information, and clarifies the rights of information subjects.