According to the inquiry on Xicai.com: Self-checking your credit report will not have any impact. According to the "Credit Report Industry Management Regulations", individuals have the right to check their own credit report records for free. This inquiry record will not Being recorded in the credit report will not have an impact on personal credit. However, it should be noted that if a credit inquiry is conducted when applying for a credit card or loan, this may have a short-term impact on an individual's credit rating, because credit institutions such as banks will evaluate an individual's credit status. In addition, if an individual frequently checks their credit record in a short period of time, it may attract the attention of lending institutions, because this may be regarded as a signal of higher credit risk, thus affecting the application for a loan or credit card. Therefore, it is recommended that individuals make preparations and plans before self-checking credit reports, and check all credit reports at once to reduce the number of unnecessary inquiries.