Everyone has a credit report, which is an important reference for personal loans. A credit report is like a resume. Although there is no need to check from time to time, it will change regularly with the social activities of individuals. Many people don't care much about the credit report, thinking that they don't need to check it. In fact, it is necessary to check them regularly. There are many factors that will affect your credit report. Some seemingly unrelated things may also change your credit report. If you ignore these factors and rarely check your credit report, the result of your credit report may be far from what you expected. Like losing your ID card? Has it ever been stolen? If there is, if it falls into the hands of criminals, it is likely to be used to apply for a credit card and then overdraw, resulting in a bad credit record and a change in your credit report, and it is a bad change. Although most of us generally don't check the credit report unless we need to handle banking business, we suggest checking the credit report at least once a year. This is because problems can be found in time by querying the credit report. If there are problems in the inquiry process of the credit report, then the credit center and commercial banks also have a set of perfect procedures called objection handling, which can be corrected as soon as possible to avoid finding mistakes and generating credit stains when necessary. In addition, when banks judge a person's credit status, they usually look at the person's credit transactions. If the personal credit report is overdue occasionally, but it is repaid in full and on time afterwards, it is enough to prove that its credit status is developing in a good direction and will not affect the approval. However, if the credit card on hand is overdue, don't cancel it, but use it normally and repay it normally, because once the credit card is cancelled after it is overdue, it may be recognized as "malicious overdraft" by the bank and directly blacklisted, resulting in the public being unable to have a credit relationship with the bank for at least five years and unable to apply for a credit card. Therefore, check the credit report at least once a year to understand your credit status and avoid the situation that the credit report changes greatly and you know nothing about it.