The credit report will be checked three times. Every time you apply for a business that needs to check the credit report, the credit report will be checked once. It is not good for the credit report record to be checked too many times in a short period of time.

Credit report maintenance methods

First of all, when lenders or credit card holders change important information, they need to update bank information in a timely manner. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number. Only then can you receive the credit card confirmation letter and statement on time, and receive bank reminders in a timely manner. SMS to ensure account security.

If the credit card holder does not have enough funds to repay the entire bill amount and does not want to affect his credit record, he can contact the bank in time to choose to return the minimum repayment amount or apply for installment repayment.

Some people think that as long as they eliminate credit cards, they can eliminate personal bad records. In fact, credit records are accompanied by the cardholder's personal identity information. Simply canceling the card cannot eliminate bad records. At this time, you should continue to maintain long-term good use of the card, so that your personal credit record can be "clean" through good credit transactions in the future. Of course, the "Credit Industry Management Regulations" stipulate that the retention period of personal bad information is limited to 5 years. If it exceeds 5 years, it will be deleted. However, this is on the premise of paying off the loan. Don't think that it can be eliminated without paying back the money.

Credit inquiry

Dishonest people encounter obstacles everywhere

The purpose of building the personal credit system is to facilitate the public and provide services to all sectors of society, but in actual inquiries However, a puzzling phenomenon has emerged: some grassroots banking financial institutions cannot charge fees due to troublesome inquiries. Some are afraid of taking responsibility and shirk the responsibility on the grounds that they need signatures from leaders for approval or that the network is blocked and cannot be inquired. Some even say that there is no Inquiry permissions lock out enquirers. 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 of the commercial banks' assisted investigations are overdue, which results in the processing time of objection applications being too long.