In recent years, the personal correspondence industry has evolved, and an increasing number of Chinese have begun to learn about and consult their credit reports, in which second-generation letters from individuals have become a hot topic. Many doubt that personal second-generation inquiries have an impact on individuals, and the answer to this question is actually complex. Here, we analyse the problem from several angles。

Does an individual second-generation letter of inquiry affect the individual

1. Personal second-generation letters of inquiry to make individuals more aware of their credit records

First of all, we would like to make it clear that an individual ' s second-generation correspondence inquiry is an individual ' s understanding of his or her credit records and that the production of credit reports is not the same. Some may be concerned about the negative impact on credit aspects, such as personal loans, but in practice, in many cases, access to their credit records can improve the credit records of individuals by keeping abreast of their credit status and making them healthier。

2. Personal second-generation correspondence queries will not have a direct impact on personal credit records

As stated earlier, personal second-generation letters queries are only a tool for searching individual credit records and do not directly affect individual credit records. Even repeated inquiries do not negatively affect existing credit records. In addition, since credit records are an established fact that is not subject to change because of your queries, it is safe to ask for personal second-generation letters。

3. An individual second-generation letter inquiry may affect your application for a loan

Although personal second-generation letters queries do not have a direct impact on individual credit records, if you apply for a credit product such as a loan, the bank will obtain your credit records by means of a letter search, and the cumulative search records will be one of the important criteria for consideration by the bank of the loan risk. While this is only a reference factor, poor letter reference records can result in a relatively high level of negative personal credit for applicants。

4. Possible disclosure of personal information by a second generation of individuals

Unlike other institutions, such as banks, personal second generation letters do not require your authorization to access your letter data and thus have the opportunity to disclose your personal information. Therefore, it is recommended that the legitimacy and credibility of the letter seeker should be verified before searching for a second-generation letter from an individual。