How many times can I check my personal credit record? See the answer here

; To check your personal credit record, you will usually be informed when applying for a loan. Of course, in daily life, you can also check it yourself to understand what happened in the past or what is happening now. credit information. So, how many times can you check your personal credit record? Let’s find out together below.

1. How many times can I check my personal credit record? There is no limit on the number of queries. It just means that if the number of queries exceeds a certain number, there may be charges. The details are as follows:

1. Querying through the Internet is free no matter how many times you query. That is, you can inquire through the official website of the "Credit Information Center of the People's Bank of China" and log in to the Internet personal credit information service platform to inquire about your credit status. This is an individual's right to know as the subject of a credit report.

2. Inquiries through the counter are free for the first two times a year, and 10 yuan/time will be charged from the third time. Before January 15, 2016, the charging standard for inquiries starting from the third time per year was 25 yuan. After that, it was reduced to 10 yuan/time. Counter inquiries can be printed directly through the self-service inquiry machines at bank outlets. After all, there is some machine depreciation. , paper printing costs, etc., so once the number of inquiries exceeds 2, it is reasonable to charge appropriately.

2. Relevant suggestions for checking personal credit records 1. I check it just for a general understanding. Twice a year is actually enough. It is not the basic necessities of daily life, so it is impossible to go through it every day. , and the credit reference center generally only updates it once a month, so personal credit information is relatively lagging behind. 2. For inquiries from financial institutions, only when you apply for a loan or credit card and actively authorize it, the other party can make inquiries and leave corresponding inquiry records, such as inquiry time, inquiry institution, inquiry reasons, etc. Frequent applications will lead to financial institutions' approval. If you make too many loan inquiries, you may mess up your credit score, making it appear that you are short of money and have a lot of debt. Therefore, it is not easy to authorize too many inquiries. You need to make reasonable loans and control them appropriately based on the actual situation. The above is the relevant content about "How many times can you check personal credit records". I hope it can be helpful to everyone. There is no limit to how many times an individual can check their credit report

The role of the personal credit report is to provide a basis for integrity to individuals or institutions and reflect citizens’ borrowing information from records. As long as there are business needs, personal credit reports can be queried anytime and anywhere. Therefore, as long as it is the person or the organization, public security agency, etc. authorized by the person, the personal credit report will be queried with no limit on the number of times.

Extended information:

Checking personal credit report affects credit report:

If the customer checks his own credit report, then this situation is not It will affect personal credit score. Because this kind of inquiry is a "soft" inquiry, the credit report will not become bad just because the customer checked his own credit report.

Of course, if a bank, lending institution, or platform inquires about a customer's personal credit report, then if there are too many such inquiry records, it will have a certain impact on the customer's personal credit report.

Because the inquiries made by banks, lending institutions, and platforms in the name of "credit card approval" and "loan approval" are "hard" inquiries. Once there are too many such inquiry records, it is easy to "spend" the customer's information. Although the credit report will not result in a bad credit record, if the credit report is too "expensive", it will also affect the customer's subsequent credit business processing.

If you don’t want to have too many "hard" inquiry records, then customers should be careful not to apply for too many credit cards and loans, so as not to cause too many platforms to use "credit card" in credit reporting. Inquiries in the name of "Approval" and "Loan Approval" are recorded.

How many times a year can a personal credit report be checked? Once every six months and once every second half of the year, abnormalities, errors, and missing information in reports can be discovered in a timely manner. If you apply for online loans or credit cards, it is recommended not to apply more than 5 times a month. More than this is considered too frequent.

What to do if you apply for too many personal credit reports:

Too many applications will affect several aspects. First, if there are too many credit inquiries, it will reflect the customer's Potential liability pressure is high, customers have high potential risks, and they are constantly applying for loans and credit cards.

Secondly, for a period of time, the customer authorized other institutions to frequently query personal credit reports, but the reports did not show that the customer had obtained a loan or credit card, which proved that other institutions believed that the customer's financial status was poor. If you choose not to be approved, it will also be a reminder to subsequent inquiry agencies, and it is basically difficult to apply successfully again. It is normal to check your personal credit report several times a year

You can check your credit report twice a year for free. There is no limit to the number of inquiries on the credit report. However, for individual inquiries on the credit report, each person only has two free inquiry opportunities per year. If the individual still wants to inquire the credit report after the free opportunity is used up, he/she needs to pay 10 yuan/time. Inquire about fees.

Credit inquiries are divided into institutional inquiries and personal inquiries, and all inquiry records will be displayed on the credit report. If the number of institutional inquiries is too many, the user's credit report will be wasted, thereby affecting the user's loan. As well as credit card processing, users should be careful not to apply for online loans frequently to avoid too many inquiries from institutions affecting personal credit.

The reasons for credit inquiries displayed on the credit report are as follows:

1. Credit card approval inquiry.

2. Loan approval inquiry.

3. Guarantee qualification approval inquiry.

4. Post-loan management inquiry.

5. Pre-guarantee review.

6. Personal inquiry.

Among these types of inquiry reasons, except for post-loan management and personal inquiries, which are neutral inquiries, other inquiry reasons are all hard inquiries. It is not advisable to have too many inquiries in the short term, otherwise it will be easy to put the credit report into trouble. Make flowers.

But don’t take it lightly if online loans are overdue. In addition to being collected, your personal credit will also be affected, especially for online loans with credit bureaus. Once there is such an overdue record, it will seriously affect the future. Handle bank loans and credit card services. Even if the online loan processed cannot be listed on the credit report, it can still access big data. Search: Xiaoqixincha, you can check your online loan history, online loan overdue details, debt status, dishonesty information, online loan blacklist and other information.

Extended information:

How to qualify for bank employment credit check?

The credit record cannot have too many overdue records. Generally speaking, the number of overdue debts cannot exceed 4 times, and there must be no overdue debts during the inquiry period.

Credit reports cannot have too many credit cards, loans, and debts. If the number of credit card accounts exceeds 5, or the amount of bank loans is too high and exceeds the income level of a normal college student, the bank will consider the job applicant's debt ratio to be too high and not suitable for employment.

There cannot be too many external guarantees in the credit report. Some college students will help others guarantee, thinking that guarantees are not personal loans. In fact, according to bank statistics, guarantees also belong to the category of debt. How many times can your credit report be checked in a year?

As for the number of times a personal credit report report is issued, there is no limit on the number of times or years, which means you can check your personal credit report information unlimited times in a year. .

However, the Credit Information Center of the People's Bank of China stipulates that each person is allowed to check personal credit information for free twice a year. After more than two times, a service fee of 25 yuan will be charged each time.

Although the credit report can be checked many times a year, checking the credit report too frequently will affect the bank's loan application.

If there are too many "hard inquiries", banks and other financial institutions may refuse to provide loan services to users. The so-called "hard inquiries" are inquiry records generated by reviewing customers' financing applications, such as credit card approval, loan approval, etc.

It is understood that the central bank credit report can only be queried by the person himself or with his authorization.

Excessive credit inquiries indicate that the inquirer has greater potential debt pressure and higher potential risks.

Moreover, the official website of the Central Bank's Credit Reference Center also shows that if within a relatively short period of time, the credit report has been queried by different banks many times due to loan, credit card approval, etc., but the records in the report indicate that no new loans or loans have been obtained during this period. Having applied for a credit card may mean that the information subject has applied for loans or credit cards from many banks but failed. Such information may have an adverse impact on subsequent related applications.

However, various banks have different requirements for the frequency of credit inquiries. It depends on the specific regulations of each bank.