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How many times can I print a credit report for free?

How many times can the credit report be printed a day?

The credit report can be printed many times a day. On the day when the personal credit report report is printed, no matter how many copies of the personal credit report report the consumer prints, the content It's all the same. Everyone has the opportunity to print their personal credit report for free twice a year. If you print the credit report more than twice, you will need to pay a fee.

Printing multiple personal credit reports a day will cause banks to become suspicious and think that there is something wrong with the consumer's economy. Consumers need to print a credit report at least once a year to keep abreast of their credit status and check whether there are any abnormalities in the personal credit report. It is best for consumers to print their credit reports no more than twice a year.

If consumers print their personal credit reports multiple times a day, it will affect their application for loans and credit cards. The personal credit report records basic information, credit information, non-financial liability information, company information, and query information.

Every time a consumer prints a personal credit report, a query record will be added to the query information. When consumers go to the bank to apply for a loan or credit card, the bank requires the consumer's authorization to inquire about the personal credit report. If the bank sees that there are many inquiry records from the consumer, it will affect the application for loans and credit cards.

If consumers discover erroneous information in their personal credit reports, they can raise objections and request corrections to the Credit Report Center of the People's Bank of China. Where can I get a personal credit report? How many times can I check my personal credit report for free?

Where can I get a personal credit report?

Users can log in to the official website of the People's Bank of China Credit Information Bureau, download the electronic version from the official website, and then go to a print shop to print. Or the customer goes to the People's Bank of China Credit Information Center and prints the credit report at the People's Bank of China Credit Information Center. In addition, various banks also provide personal credit inquiry and credit report printing business processes. Customers can also print personal credit reports on self-service machines when they go to business outlets. If a customer needs a credit report to apply for a loan, they need to go to a financial institution to print it. Credit report printed at a print shop is not eligible.

How many times can I check my personal credit report for free?

Individuals are entitled to check their credit report for free twice a year, and other inquiries are charged 10 yuan each time. Some people in the industry said that you should not check your personal credit report more than 5 times in a month and 10 times in 2 months. If you always check your personal credit report, your credit report will be wasted. Even if there is no record of overdue repayment, you will not be able to apply for a loan or credit card later. , will also be rejected.

How many times can a credit report be issued?

When we want to borrow money or open a card, we may need to provide our own credit report. Everyone in China has a credit report, and inquiries are usually free, but printing the report exceeds 2 times will require charging standards.

There is no limit on the interval between issuing credit reports. However, there are two free printing opportunities every year, and charges will gradually increase from the third time, each time costing 10 yuan. You can check it several times a year, but it is not recommended to check it too many times a year, because if you check it too many times, it is likely to affect your personal credit when you go to the bank for a loan.

After inquiry, if it is believed that the information collected, stored and provided by the credit rating agency is incorrect or ignored, the information subject has the right to question the credit rating agency or the information service provider, stipulations Change.

Personal credit information mainly includes personal information, loan information, bank and credit card information, etc. The most important of which is the loan information and credit card information. If the borrower has problems in these aspects, then in The loan approval process requires decisive rejection by the financial institution, so customers maintain a good personal credit report in their daily lives.

In addition, there are clear regulations stating that I shall not make more than 4 "hard inquiries" within a month. We all know that personal credit report inquiries generally include self-inquiry, credit card approval, loan guarantee qualification review, credit management, loan review and questioning inquiry. Among them, credit card approval, loan review, and loan guarantee qualification review are “hard inquiries.”

The main reason is that if there are too many inquiries, it means that the applicant has frequently applied for loans recently. When more people apply for loans, banks or loan companies will feel that the applicant's recent financial situation is uneasy and lack of funds, so they will doubt the applicant's ability to repay, and will think that it is risky to issue a card or loan to the applicant. The risk will be very large, so they will refuse to open a card or apply for a loan.

The method of checking personal credit report is very simple. In addition to obtaining the personal credit report in time or printing it for the third time, which charges 10 yuan each time, other methods of inquiry are free:

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Inquiry on the official website of the Credit Information Center of the People's Bank of China: First-time users must register as a member; "UnionPay QuickPass" APP inquiry; mobile online banking inquiry (some banks can inquire); online banking inquiry; self-service inquiry Query at the inquiry machine; check at the counter of the People's Bank of China (you need to go to the People's Bank of China with your ID card), etc.

The above is the relevant knowledge about personal credit report inquiry and report printing. Personal credit report can be said to be a true reflection of another person's identity. Ensuring a better personal credit report is something everyone should do. Does it cost to print a credit report from the People's Bank of China?

The first two times the bank prints a credit report are free of charge. According to the regulations of the Credit Report Center, each person can print the credit report for free twice a year. Chance.

According to the "People's Bank of China Releases the Development Report of China's Credit Industry (2003-2013)" forwarded by the People's Bank of China and the Central People's Government of the People's Republic of China, the credit report is a collection, arrangement, preservation and processing of natural persons in accordance with the law. A method of credit information for , legal persons and other organizations.

In addition to the most common credit card overdrafts and overdue repayments of personal mortgage loans, some behaviors such as failure to pay on time and guarantees may be included in personal credit reports.

The report shows that if you have ever had tax arrears, civil judgments, enforcement, administrative penalties, or telecommunications arrears, etc., the report may be displayed. This means that in the future, if you are in arrears with water, electricity, gas or landline bills, or if you provide a guarantee for a third party, and the third party fails to repay the loan on time, it will also be included in the bad credit record. There are several free opportunities for credit report inquiry

Two free opportunities for each person to inquire credit report per year

The credit report inquiry through the self-service inquiry machine and the credit inquiry at the counter of the People's Bank of China The report is completely consistent

Self-service inquiry only requires you to bring your original valid ID card and follow the voice prompts on the self-service inquiry machine to complete the process. The steps are simple and the whole process does not take more than 2 minutes.

According to the regulations, individuals who go to the counter or self-service machines to check their credit reports have two free inquiry opportunities per year, and each time they are charged 10 yuan starting from the third time.

It should be noted that the credit report should not contain too many "hard inquiries". If the credit report has been inquired by different banks many times over a period of time due to loan, credit card approval, etc., but the records in the credit report show that no new loans or credit card applications have been obtained during this period, it may mean that the information subject has requested many You have applied for a loan or credit card from a bank but were unsuccessful. Such information will have a negative impact on subsequent related applications.