According to the expert's advice, check it up to 5 times a month. Exceeding this figure may have an adverse impact on online lending.
Description:
1. Too many credit inquiries will be regarded as credit risk, which may reduce the borrower's credit score on the online lending platform.
2. Repeated inquiries also show that borrowers frequently apply for loans, which may give people the impression of financial difficulties or poor credit and reduce the probability of successful loan applications.
3. The comprehensive credit score provided by the third-party big data platform is an auxiliary tool. Through the comprehensive evaluation of personal credit status, the success probability of loan application can be improved.
Summary:
In the online loan application, it is very important to properly control the number of credit inquiries. More than five inquiries per month suggested by experts may have a negative impact on online lending. Borrowers can first use the third-party big data platform to query their comprehensive credit scores and obtain credit reports to improve the probability of successful loan application.
Extended data:
Credit report is an important document to record personal credit status, which will have an impact on personal loans, credit card applications and other financial transactions. In China, credit reports are mainly managed and published by the Credit Information Center of the People's Bank of China. Monitoring personal credit records in time and reasonably controlling the number of credit inquiries will help to maintain a good credit status and improve the success rate of borrowing.