The credit report is actually an "economic identity card". The reason why the bank is willing to lend you money and issue you a credit card is because your credit report is good. A good credit report can not only help you get a loan quickly, but also enjoy a lower interest rate, while a bad credit record may directly lead to the rejection of the loan, and even if it is successful, it will be charged a higher interest rate. Therefore, the focus of the self-examination of the credit report is whether the information recorded in the credit report is wrong. If it is found to be inconsistent with the actual situation, it will be resolved as soon as possible to prevent it from taking too long to solve when a loan or credit card is needed. Generally, it is most appropriate to conduct personal credit inquiry about 2 months before applying for a loan or a credit card. This is because once an error is found, it takes about 20 days to raise an objection immediately. Therefore, check yourself two months in advance, even if the credit record needs to be revised, there is plenty of time. Even if you don't apply for loans and credit cards, it is still recommended to check your credit at least once a year in order to find problems and deal with them in time. Self-checking the credit report mainly depends on whether there are any errors in two aspects: 1) Check whether there are any errors in the credit report. Once you find something wrong, you should apply to the credit information center or business-related banks for correction in time, otherwise both loans and credit cards may be affected. 2) Check whether there is any "unauthorized" inquiry record on the credit report. Unauthorized inquiry may mean that your information has been stolen or "borrowed".