The credit line has been approved, and the credit check exceeds 1 month. Why do you want to check again?

It shows that it has been approved, but there is something wrong with the credit. I said that you got stuck in the process. Let's see what's wrong with credit reporting.

Credit information difference is a general concept, not just a certain aspect. For example, credit liabilities are too high, credit inquiries are too many, and credit overdue is serious.

1, credit debt is too high. The user's debt situation is directly linked to the repayment ability. Although some users have high income and a large flow of water, they have high debts, and there is still a great possibility that they will not be able to follow up.

During the audit, the debt ratio will be estimated according to the liabilities of users and users. If the debt ratio does not exceed the standard defined by the platform, then you can continue to apply, and vice versa. It is suggested that users with high debts can pay off some small loans in advance to reduce their debts.

2. There are too many credit inquiries. Generally speaking, users have no credit demand, so it is enough to keep the query frequency of 1-2 times a year. Don't make credit inquiries at will, because these inquiry records will be displayed on the personal credit report.

Among them, hard queries such as loan approval query, credit card approval query and guarantee qualification query have great influence, which is easy to cause consumer credit information. If the credit has been spent, it is recommended to keep it for a while and not apply for it for the time being.

3. The credit is overdue. If the user is overdue occasionally in the repayment process, or settled immediately after the overdue, the impact is relatively small, but the current overdue situation, or a series of delays, indicates that there has been a serious problem of dishonesty in credit reporting, and it is difficult to apply again. It is recommended to maintain good credit at ordinary times and not to overdue. Once you break your promise, deal with it immediately without delay.

4. White households with credit information: Different from the above situation, it is not because the content of the credit information report is not easy for white households to apply. On the contrary, it is because the credit report is blank, so the institution cannot verify it and will refuse it because of the risk. For this, many users have ignored it.

Answer at 2021-11-15.

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How to solve the problems in personal credit reporting?

If you want to apply for a loan or credit card again after a problem occurs, which will affect the approval of the loan or credit card, you can try the following methods: First, check your personal credit information and pay off the outstanding card overdraft or loan amount after maturity; Two, the proof of non-malicious arrears should be issued by the * * bank credit card or loans overdue repayment certificate; Third, provide the issuing bank with corresponding asset certificates or third-party guarantee documents with guarantee ability and qualification; China People's Bank Credit Hotline: 400-8 10-8866 Attachment: Proof of non-malicious arrears. This is to certify that * * *, gender: *, ID number: * * *, credit card number: * * * * RMB account held by this customer has been overdue for * * * times, and the amount owed. Later, because I didn't receive the short message and telephone dunning from our bank to reissue the new card code * * * *, I didn't repay it on time. At present, the customer has settled all the arrears, and there is no subjective malice. Hereby certify! China * * * Bank * * Sub-branch Reference Information Service Platform. Personal credit information [reference time: 2018-1-17]

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