Credit information can be printed many times a day. On the day when the personal credit information report is printed, no matter how many copies of the personal credit information report are printed by consumers, the content is the same. Everyone has the opportunity to print personal credit reports twice a year for free, and printing more than two credit reports requires a fee.

Printing personal credit reports many times a day will arouse the suspicion of banks and think that there is something wrong with the consumer economy. Consumers need to print a credit report at least once a year to know their credit status in time and check whether there is any abnormality in their personal credit report. Consumers had better print the credit report no more than twice a year.

If consumers print personal credit reports many times a day, it will affect consumers' application for loans and credit cards. Personal credit report records basic information, credit information, non-financial liability information, public information and inquiry information.

Every time a consumer prints a personal credit report, he will add a query record to the query information. When a consumer goes to a bank to apply for a loan or credit card, the bank needs the authorization of the consumer to inquire about the personal credit report. If banks see that consumers have a lot of inquiry records, it will affect loan and credit card applications.

Consumers who find that personal credit report information is wrong can raise objections to the Credit Information Center of the People's Bank of China and ask for correction.

How many times can a credit report be typed a year?

First of all, answer directly.

The Credit Information Center of the People's Bank of China has no limit on the number of times to print personal credit information reports. However, since June 3, 20 14, the Credit Information Center has issued a new regulation: each person will check personal credit information twice a year for free, and after the third time, 25 yuan service fee will be charged each time.

Second, the specific analysis

In addition, personal credit reports should not be inquired too many times, preferably not more than six times a year, otherwise personal credit will be affected, especially for credit cards and loans that have been inquired many times but have not applied successfully in their own names, and banks will think that personal credit is bad.

There are many online loan big data systems that can provide online loan records, which can be found: Beijian Quick Check. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.

Third, is it normal to check the credit information several times a month?

By inquiring about the credit information, we can know the borrower's credit status, whether there are overdue records, the number of times to apply for loans, etc. So how many times a month is normal?

Generally, it is not advisable to apply for credit information too many times a month, otherwise it will affect the loan.

Because if a user has too many personal credit inquiries in a month, it will be considered that the user has applied for loans from many banks or financial lending institutions in a month, which may directly affect the credit rating and loan approval of financial institutions.

It is suggested that the number of inquiries should not exceed 3 times a month, not more than 10 times a year, and 2~3 times a month is almost the same.

At the same time, it should be noted that the interval between each inquiry is also very important. It is not recommended to inquire about credit information many times in a short time, but it is better to inquire after 3 or 6 months.

Every user's personal credit inquiry will be marked with reasons, such as objection inquiry, credit card approval, loan approval, guarantee qualification approval, etc. , are all negative query records.

Even some institutions stipulate that individuals can't apply for loans in financial institutions if they make inquiries more than four times a year.

There are several free opportunities for credit report inquiry.

The opportunity to check the credit report for free twice a year per person.

The credit report inquired by the self-service inquiry machine is completely consistent with the credit report inquired by the counter of the People's Bank of China.

Just bring the original valid ID card and follow the voice prompts on the self-service inquiry machine to complete the self-service inquiry. The steps are simple, and the whole journey does not exceed 2 minutes.

According to the regulations, individuals can check their credit reports at the counter or self-service machine for free twice a year, with the third charge 10 yuan.

It should be noted that the credit report should not be "hard-queried" too much. If the credit report has been inquired by different banks for many times due to the approval of loans and credit cards within a period of time, but the records in the credit report show that no new loans or credit cards have been obtained during this period, it may indicate that the information subject applied for loans or credit cards from multiple banks but failed, and such information will have an adverse impact on subsequent related applications.

Where can I type the personal credit report? How many times is personal credit inquiry free?

Where can I type the personal credit report?

Users can log in to official website of China People's Bank, download the electronic version from official website, and then go to the print shop to print. Or the customer goes to the local credit center and prints the credit report at the credit center. In addition, banks also provide personal credit inquiry and credit report printing business processes. Customers can also print their own credit reports on self-service machines when they go to business outlets. Customers need to make a credit report when they apply for a loan, and they need to go to a financial institution to print it. The credit report printed by the printing shop is unqualified.

How many times is personal credit inquiry free?

Individuals have the right to inquire about their credit reports twice a year for free, and the rest are charged for each inquiry 10 yuan. Some insiders said that 1 month should not exceed 5 times, and 2 months should not exceed 10 times. If you always check the personal credit report, it will lead to the waste of credit information. Even if there is no record of overdue repayment, subsequent applications for loans or credit cards will be rejected.

How many times can I type the credit report?

When we want to borrow money or open a card, we may need to provide our own credit report. In China, everyone has a credit report, and the inquiry is generally free, but there is a charge for printing the report more than twice.

There is no limit to the time interval for typing credit reports. And the good opportunity of printing completely free twice a year must be collected gradually from the third time, and the cost for each time is 10 yuan. You can check several times a year, but it is not recommended to check too much a year. Because of the large number of checks, going to the bank for a loan is likely to affect your personal credit.

If the information collected, stored and provided by the credit rating agencies is found to be wrong or neglected after inquiry, the information subject has the right to question the credit rating agencies or information service providers and agree to make changes.

The key of personal credit information includes my basic information, loan information, bank credit card information and so on. , the most important of which are loan information and credit card information. If borrowers are tainted in these aspects, they need to be decisively rejected by financial institutions in the process of loan approval, so customers maintain good personal credit reports in their daily lives.

In addition, it is clearly stipulated that I shall not "hard query" more than 4 times in 1 month. As we all know, personal credit report inquiry generally includes self-service inquiry, credit card approval, loan guarantee qualification examination, credit management, loan review and inquiry. Among them, credit card approval, loan review and loan guarantee qualification review are "hard inquiries".

Mainly because if the inquiry frequency is too high, it means that the applicant has recently applied for loans frequently. When more people apply for loans, banks or loan companies will feel that the applicants are anxious about their recent economic development and lack assets, and then doubt the repayment ability of the applicants. They will think that it will be very risky to apply for a card or loan to the applicant, so they will refuse to open a card or apply for a loan.

The inquiry method of personal credit report is very simple. Except for obtaining personal credit report or printing for the third time in time, the charging standard is 10 yuan, and other inquiry methods include free:

Inquire about official website, Credit Information Center of China People's Bank: Consumers who apply for the first time must first register as members; "unionpay flash payment" APP query; Mobile online banking inquiry (some banks can inquire); Online banking inquiry; Self-service inquiry machine inquiry; Counter enquiry of China People's Bank (ID card required).

The above is the knowledge about personal credit report inquiry and report printing. Personal credit report can be said to be a true portrayal of a person's other identities. Ensuring a better personal credit report is what everyone should do.