If you want to know whether you are a bad person, you can mainly check your credit record. Usually, you will not be labeled as a bad person in the credit record. A bad person usually refers to a person who is seriously overdue. The relatively minor ones are not considered a black account. If you apply for a loan or a credit card and are rejected every time, it is enough to prove that you are a black account.

Extended information:

Personal credit report query:

There are generally two ways to check personal credit report. The first is that customers can check online. Through the Credit Reference Center of the People's Bank of China, after registering an account and entering personal information, you can apply to check your personal credit report. There will be an electronic version of the report that customers can save.

The second method is that customers can go to the central bank or a commercial bank authorized by the central bank to print their own credit report. They can print a simplified version or a detailed version. The lender can bring his or her identity document according to the Print reports according to your actual needs.

It is worth noting that customers can only print credit reports for free twice a year. If they print more than twice, they will need to pay some fees. Customers also need to pay attention to this and try not to print them casually. Print your personal credit report.

The credit report will contain more detailed credit records of the customer. These loan records will always be kept on the credit report. Of course, as long as the lender is not overdue, these loan records will not cause any harm to the customer. What impact it has is relatively neutral information.

Checking personal credit report affects credit report:

If the customer checks his own credit report, this situation will not affect the personal credit report. Because this kind of inquiry is a "soft" inquiry, the credit report will not become bad just because the customer checked his own credit report.

Of course, if a bank, lending institution, or platform inquires about a customer's personal credit report, then if there are too many such inquiry records, it will have a certain impact on the customer's personal credit report.

Because the inquiries made by banks, lending institutions, and platforms in the name of "credit card approval" and "loan approval" are "hard" inquiries. Once there are too many such inquiry records, it is easy to "spend" the customer's information. Although the credit report will not result in a bad credit record, if the credit report is too "expensive", it will also affect the customer's subsequent credit business processing.

If you don’t want to have too many "hard" inquiry records, then customers should be careful not to apply for too many credit cards and loans, so as not to cause too many platforms to use "credit card" in credit reporting. Inquiries in the name of "Approval" and "Loan Approval" are recorded.