Often the client thinks him aptitude is pretty good, look for a loan orgnaization minute minutes anyhow can name of the donor. When he applies for loan truly however again and again by refus, see the report that sign a letter just know original problem goes was in on frequency of the inquiry that sign a letter. So why what frequency of letter of individual ask forring inquires is more, is application loan worse?
If ask for letter report to go up " hard inquiry " frequency is exorbitant, and indication credit card, loan examines and approve the bank inquiry that waits for many times to be differred, but the user does not have loan successful record perhaps gets stuck below credit card, show this user financial standing not beautiful, whether loan bank is about consider.
So what is " hard inquiry " ?
Authority is not new to asking for a letter to report, specific for, the inquiry cent that individual credence reports is; Him inquiry, credit card is examined and approve, the management after borrowing, loan is examined and approve, demur inquiry. Among them " hard inquiry " for: Credit card is examined and approve, loan is examined and approve, assure qualification test. Record of this kind of inquiry can produce adverse effect too much.
The account that solicits a letter to be checked is as follows:
Negative inquiry:
1.Credit card examines and approve: Hard inquiry: The meeting when filing credit card is inquired
2.Loan examines and approve: Hard inquiry: The meeting when application borrows money is inquired.
3.Assure qualificatory inquiry: Hard inquiry: When serving as security, be evaluated whether do you have assure ability
Openly inquiry:
1.Chazheng believes the individual: Be not hard inquiry: Him inquiry shoulds not be more than 4 times
2.The management after borrowing: Be not hard inquiry: Normal inquiry, do not affect loan.
When having, stem from curiosity, browse a few nets that oneself understand far from to borrow APP or webpage, write a material not carefully, register, indescribable, oneself proof the letter is indescribable was checked a lot of times. When when finding company relying on chart to borrow money, was dumbfounded, inquire the frequency is overmuch, by refus.
Individual credit report wants to check, but not too frequent
Not necessary when, not frequent loan, lend money
Should not apply too much credit card inside short time more
If be checked too often
Financial orgnaization can think you are pressing need loan is couldn't get again
So the chance that you get borrowing money with respect to decrescent
