How many times can a credit report be issued in a year?

1. Positive answer

The Credit Reference Center of the People's Bank of China has no limit on the number of times a personal credit report can be printed. However, starting from June 3, 2014, the Credit Reference Center has issued a new Regulations: Each person is allowed to check personal credit information twice a year for free. After the third time, a service fee of 25 yuan will be charged each time.

2. Specific analysis

In addition, it is not advisable to check personal credit reports too many times, preferably no more than 6 times a year, otherwise it will affect personal credit, especially the number of credit reports However, if you have not successfully applied for a credit card or loan in your name, the bank will determine that your personal credit is bad.

There are now many online loan big data systems that can provide online loan record inquiries, you can search: Beijian Quick Check. You can query online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information.

3. How many times a month is it normal to check your credit report?

By checking the credit report, you can learn about the borrower's credit status, whether there is any overdue record, the number of loan applications, etc. So how many times a month is it normal to check?

Generally, you should not apply for credit check too many times a month, otherwise it will affect your loan.

Because if the user's personal credit report is queried too many times in a month, it will be considered that the user has applied for loans from multiple banks or financial lending institutions within a month, which may directly affect the financial institution's credit to the user. Ratings and loan approvals.

It is recommended that in terms of the number of inquiries, it is best not to exceed 3 times a month, and not more than 10 times a year. 2 to 3 times a month is about right.

At the same time, it should be noted that the length of time between each inquiry is also critical. It is not recommended to inquire the credit report multiple times in a short period of time. It is best to wait for 3 months or 6 months before making inquiries.

Every time a user makes a personal credit inquiry, the reason will be marked, such as objection inquiry, credit card approval, loan approval, guarantee qualification approval, etc. These are all negative inquiry records.

Some institutions even stipulate that if an individual's credit report is inquired more than 4 times a year, he will not be able to apply for a loan at a financial institution. 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 a year are checked on your credit report without any impact?

Usually checking your credit report five times a year will not have much impact. If you check your credit report frequently, it is likely that you have applied for a credit card multiple times, Caused by loan application.

Frequently applying for credit cards and loans indicates that you are in urgent need of money recently, and many lending institutions will reject your application. Therefore, it is recommended that you do your homework when applying, optimize your application materials, and strive for success the first time. Reduce the number of rejections.

The purpose of building a personal credit reporting system is to facilitate the public and provide services to all sectors of society. However, puzzling phenomena have occurred during actual inquiries: some grassroots banking financial institutions cannot do so due to the troublesome inquiries. Some people are afraid of taking responsibility for charging fees, so they shirk the inquiry on the grounds that it requires the signature of the leader for approval or that the network is not connected, and some even turn away inquirers because they do not have inquiry authority.

Some netizens pointed out that as the builder of the personal credit reporting system, the county-level branches of the People's Bank of China at the grassroots level do not have inquiry authority and inquiry ports, and can only do nothing when facing inquiries.

Personal breach of trust is caused by many reasons. In addition to confirmed malicious breach of trust, there are also a considerable number of bad credit caused by negligence. Many people are still unfamiliar with the word "credit reporting", and a single oversight will lead to "broken trust". In addition, when bank staff promote credit cards, they often talk about their various benefits without being clear about the customer's obligations and consequences of default, resulting in customers not paying enough attention to the credit stain caused by overdue repayment.

In addition, some objective factors can also lead to the occurrence of dishonest behavior, such as changes in the party's repayment account due to bank system upgrades. Some netizens pointed out that negative information in personal credit records will be retained abroad for 7 years, while corporate and personal bankruptcy records will be retained for 10 years. However, in China, there are currently no clear legal regulations on how long negative information in personal credit records should be retained.

According to the operating procedures of the personal credit reporting system, after accepting the objection application, the credit reporting management department of the grassroots People's Bank of China should immediately transfer it to the credit reporting service center, and then transfer it to the corresponding commercial bank for assistance. After inquiry and verification, a reply will be given to The credit information service center will then return to the local People’s Bank of China credit information management department and then notify the applicant. There are many links in this process, and most commercial banks have overdue requests during assisted investigations, which results in the processing time of objection applications being too long.

Some bad credit records are not caused by the subjective will of the parties, such as banking system failures, malicious credit card theft by others using their identity, etc. Bad credit records caused by these reasons will make the parties feel that they have been wronged. Bad credit history can be eliminated. How many times can a credit report be issued in a year?

Regarding the number of times a personal credit report can be issued, there is no limit on the number of times or years, that is, you can query personal credit information without restrictions.

However, starting from June 3, 2014, the Credit Reference Center of the People's Bank of China began to issue new regulations on fees: each person is allowed to check personal credit information for free twice a year, and after the third time A service fee of 25 yuan is charged each time.

There are two ways to inquire about personal credit reports: online and offline:

1. Go to the local People’s Bank of China with your personal ID card information for inquiry;

2. Log in to the official website of the Credit Information Center of the People's Bank of China, find the personal credit information service platform, register and log in and select to apply for credit information inquiry.

Regarding personal bad credit information, the storage period in the personal credit system is 5 years. After 5 years, the bad information will be automatically deleted.

Normally speaking, as long as there is no bad credit record, the number of times I check my credit will basically have no impact on my personal credit.

But if you do it too many times, the bank will think that you have other third-party multi-channel financing business, which will have some impact on your future needs for loans.