Ji'nan citizens' credit records were peeped three times a day. Too many queries also affect loans.
Qilu Evening Newspaper
personal credit records can be said to be an individual's economic identity card, to do loans, to apply for credit cards and so on. Go to it. Now people know to maintain a good credit record, but in fact, in addition to the credit record itself, the number of query records is also a reference item for the approval of the loan. Recently, Ms. Zhang, a citizen of Ji'nan, found that his report had been seen three times by an institution in a day, and he did not know it.
people sit in the home for a month to take a letter record of
credit records in addition to their own inquiries, in the application of credit card, insurance review, loan approval, after loan management, and other related institutions may be checked. In the personal credit record report, in addition to the basic credit information and public information, it will also show when, in the past two years, who has checked his report for any reason.
because of his own loans and credit cards on hand, to understand their credit status, Ms. Zhang of Ji'nan will often inquire about their credit records. A recent inquiry, Ms. Zhang found the problem: in January 4th this day, my personal credit record was checked by the Company limited by guarantee three times, the reason for the loan examination and approval. But in Ms. Zhang's memory, she has not applied for such a loan business.
I just gave birth in mid December last year and I was still in confinement in January 4th. Not only that, the reason why Mrs. Liu was worried about the reason, said that it was the loan approval, and I did not apply, in case someone else misused my identity to apply for a loan.
in addition to these three query records, in December 3, 2015 and January 9, 2016, Ms. Zhang's credit records were also searched by Company limited by guarantee and Qianhai Qianhai micro bank, Shenzhen, and the reasons for the inquiry were also approved for the loan. I don't know the reason for these two inquiries.
the bank said that generally not a day to check a number of
in order to understand why the credit records are safe and inclusive financing Company limited by guarantee inquiry, in the afternoon of May 23rd, Ms. Zhang called the company's customer service phone. After providing the identity card information, the staff confirmed that Ms. Zhang's three inquiries were produced in the company's Ji'nan Lishan North Road business department, which was inquired by a Zhanghao clerk. The application for business is safe and easy. The loan shows the name and identity card number of Ms. Zhang, but the loan was rejected at the final examination.
Ms. Zhang learned that the Company limited by guarantee is a member of China's Ping An group. She bought the insurance of the safe financial insurance in July and August and applied for the personal consumer loan with the insurance policy. At that time, it was a salesman surnamed Zhang, but I didn't know exactly what it was called. Ms. Zhang said that when he applied for the consumer loan last year, he authorized the other party to inquire about his credit record. After two or three days, the loan was put into operation. However, she said, in March this year, the salesman called her again and asked if she needed another loan. However, during the two contacts, Ms. Zhang did not have a loan with the salesman and the Ping An Group, and did not go to the Sales Department of the mountain north road.
what is the case, the Company limited by guarantee will inquire about the record of the individual's letter of credit? For this, the company's customer service staff told reporters that when the customer applied for a loan, the company needs to verify whether the customer meets the loan condition, and if it is in conformity, the company's loan Commissioner will contact the customer by telephone. Customers will agree to inquire about credit records when they call. However, the customer service staff said that there will not be many queries in one day.
a written authorization for a letter of inquiry, but often a telephone confirmation of
in accordance with the Interim Measures for the management of the basic database of personal credit information, the commercial bank should obtain the written authorization of the inquiring person when it inquires the report of personal credit. Written authorization can be obtained by adding additional clauses in loans, credit cards, quasi credit cards and guarantee applications. A staff member of a bank told reporters that they needed the written authorization from their clients before they inquired about their personal credit records, and provided copies of their ID cards.
but, as the reporter learned, most of the net loan platforms are now confirmed by telephone, or by users directly to select electronic consent. This brings some risks to the users, and many people agree to be authorized because of misoperation or unknown. What worries
the staff member of a bank is responsible for the loan. In the process of the loan review, in addition to the credit record itself, the record of the credit records is also an important reference condition. If you see many times before loan examination and approval, but there is no loan. The bank may think that the applicant needs funds at present, but some conditions are not up to date, so the audit is rejected. However, the staff said the impact was relative, like Ms. Zhang, which could explain the reasons to the bank when applying for a loan and minimize the impact.