It is important to understand the loan process. Many people used to check their credit position before applying for loans, but it might not have been realized that the process would also be recorded. If you ask too many questions, this could affect your loan application. So if the number of queries is really too high, what do we do? Don't worry, there's some advice for you here

How do you apply for a loan with too many letters

First, time is your best friend. Multiple search records may raise doubts about your ability to repay. If you are not in a hurry to make a loan, you can use three to six months to improve your credit position. How? Remember two things: to suspend, for a period of time, the application for any credit record at a meeting; and to make sure that the loans that already exist are repaid on time。

Besides, you can choose a softer source of credit. Both channels are usually banks and lending institutions. If you often deal with banks, such as buying bank property or holding large deposits, banks may ease your scrutiny. If you don't have these assets, you can try institutions like 360 loans, loans, Kyoto gold bars, millet loans. They usually judge you on the basis of your big data performance on the platform and your historical lending record, so as long as your creditworthiness is good and your solvency is stable, it's basically no big problem。

How long will it take to repair the inquisition? In general, all search and late records will remain on the credit report for five years, after which they will disappear automatically. Therefore, it is not necessary to check their credit, but only on important occasions such as loans。

If you're in bad credit, the bank may refuse your loan application, or even change the bank. At this point, you can search for your credit through the People ' s Bank of China, the Network of Trust Centre Officials or commercial banks, and the process is free of charge。