Why doesn't CITIC Consumer Finance have a loan?

Although there is no loan record in the credit report, I applied for a loan before, but I didn't come down. I still saw various online loan advertisements and asked about the quota. These two behaviors will also be recorded in the credit report.

But in the inquiry record, you will see that the reasons are loan approval, and the institution and time of inquiry. Too many such records will also cause the problem of credit reporting, which is often said to be spent on credit reporting.

In fact, it is also possible that there will be inquiry records without loans, which can be roughly divided into authorized inquiry and unauthorized inquiry.

1, authorized query

It means that when I handle other financial services other than loans, such as handling credit cards or taking other people's loans as guarantors, I agree with the authorization of the agency's inquiry, so there will be records of the agency's inquiry, but the reason for the inquiry is not loan approval.

There is also a special situation. People often like to click on various loan advertisements to check the amount. Although the original intention is not a loan, as long as you submit your basic personal information, clicking Query is equivalent to agreeing to an authorized institution to inquire about credit information, and there will also be an inquiry record of loan approval.

It doesn't matter what kind of situation. As long as I have the consent and authorization, the agency's credit information cannot be revoked.

2. Unauthorized inquiry

Refers to institutions that inquire about credit information without my authorization, and will also leave inquiry records.

It is illegal to inquire others' credit information privately, which affects everyone's credit information. You can go directly to the central bank's credit information center to complain about rights protection. If the situation is true, the central bank will take corresponding punishment measures against the institution and cancel the inquiry record. However, it may be a bit difficult to obtain evidence well.