Is it okay to check your credit often, and does it have an impact on your own credit investigation?

A good personal credit record is very important, and a bad personal credit will have a significant impact on an individual's handling of financial business.

The Credit Information Center of the People's Bank of China has no limit on the number of inquiries on personal credit reports, and each person can make free inquiries about personal credit reports twice a year, exceeding the per-use charge.

However, the personal credit report should not be queried too many times, otherwise it will affect the personal creditworthiness, especially if the number of credit inquiries is large, but the credit card or loan that has not been successfully applied for under the name may be determined by the bank as having bad personal credit.

Too many credit record inquiries can affect loans. Because the bank will check the applicant's personal credit report before taking out a loan or approving a credit card, which is an indispensable step, and each inquiry record will be stored in the credit report and kept for two years. Including who checked it, when it was checked, and because of what.

If you make too many hard inquiries in a short period of time, the bank will think that you are in urgent need of money and the potential risk of default is high, so they will put you on the list of undesirable customers.

Up to now, Chinese people's personal credit can be queried through two channels:

1. Bring your ID card or the principal's ID card and power of attorney to the credit inquiry window of the People's Bank of China where you are located to provide your ID card and print your personal credit record;

2. Open the official website of the Chinese People's Credit Information Center, the mobile phone number cooperates with the ID card registration account, and submits the personal credit record inquiry application in the personal inquiry column, and the mobile phone will usually receive the inquiry code sent by the credit investigation center within 72 hours. Open the official website of the Chinese People's Credit Information Center again to log in to the registered account, enter the SMS inquiry code in the personal inquiry column to view the personal credit information, and at the bottom of the page you can generate a PDF document ** to save.

You can check your own credit, we must know that credit is a personal credit record, if you have an overdue online loan or borrowed money from the bank in real life, then your credit report will produce a corresponding bad record, and your credit qualification will become worse. Therefore, everyone should check their credit report at least twice a year, once in the first half of the year and once in the second half of the year. You can check your own credit, which is also stipulated by the state, and it has no impact on checking credit.

However, you can't check too many times a year, it's best to check twice a year, that's enough, don't always go to check, too many inquiries will also make your credit worse.

If you have a bad record on your credit report, you may not be able to take out a loan in the future, and it may have some impact on your future work, especially if you go to work in an insurance company. You can't apply for a credit card, and you'll also be pulled into a credit blacklist for a dishonest person.

You can check your own credit. It will affect your creditworthiness, it will affect your reputation, it will affect your loans, it will also affect the bank's perception of you, and it will also affect your future development.

OK. It has no effect on checking your own credit, but you need to bring your personal identity certificate and related procedures to check.

It will not have any impact if you can check your own credit, just check the credit record.

Answer: Hello, under normal circumstances, individuals checking their own credit records will not affect their personal credit. Because financial institutions are reviewing personal credit reporting.

If an individual authorizes a financial institution to inquire about personal credit too many times, it will make the bank think that the borrower is short of money and has a risk of default.

Therefore, the loan will be rejected or the card will be refused.

1. Methods for inquiring about personal credit

First, the specific method of inquiry by the People's Bank of China is to bring your ID card.

Go to the local People's Bank of China, fill in the inquiry application form and submit it, and after careful review and approval, you can check and print your own credit records. Through this method, everyone should note that the People's Bank of China does not work on weekends and cannot be queried on weekends.

The second type: online queryFor cities that have opened the query function on the Internet, you can directly query online. Online inquiries need to be authenticated by mobile phones before they can be queried, and online inquiries can also be queried on weekends.

The third way: go to the bank to check If you are in a hurry to take out a loan, you can also ask the bank staff to check your personal credit. Generally, the bank can see your personal credit situation internally, and you can quickly learn about your personal credit through this situation.

2. The significance of credit reporting

China's legal system is gradually maturing, and various laws and regulations.

With the needs of social development and economic construction, but the legislative work of credit reporting is still lagging behind, the "Regulations".

The introduction of the law will fill the gap in China's credit reporting legislation and is of great significance for promoting the healthy development of China's credit reporting industry. Some netizens pointed out that once the "Regulations on the Administration of Credit Reporting" is passed, its content and provisions can become the legal basis for the court's judgment, which indicates that China's credit reporting legislation has entered the fast lane.

China's credit reporting legal system has been established for some time, but there is still a long way to go before a unified credit reporting legal system is established. Most of the existing credit reporting regulations are rules and regulations.

There is a trend of segmentation and regional segmentation, and the market economy.

The intrinsic requirements for the unified market are contrary to each other, and the existing regulations themselves are not lacking in the need for improvement, so it is necessary to formulate unified credit reporting laws or administrative regulations as soon as possible.

Under the long-term goal, the public consultation of the "Regulations on the Administration of Credit Reporting" is of great theoretical and practical significance for promoting the credit progress of the whole of China and even the long-term development of China's economy. As far as China's credit reporting industry is concerned, speeding up the legislative process and strengthening the effective management of the credit reporting industry is an inevitable requirement for ensuring the sound and rapid development of the credit reporting industry and the market economy.

It doesn't affect. If you just want to know your own credit situation, this kind of inquiry record has no impact on the credit information, according to the relevant regulations, you can check your own credit information for free twice a year, and you need to charge after two times. Institutional inquiries, also known as "hard inquiries", have too many hard inquiries, which will have a certain negative impact on applying for loans.

Although it is more common to inquire about their own credit information, many people have not checked it for the time being, only when the company joins or buys a house, etc., they will be required to inquire about personal credit information, which makes our credit information have a further understanding, after all, the company can judge itself through this document, and even judge a person's character standards, which means that this credit information is extremely important to themselves, related to our entry situation, Your own credit investigation really needs to be paid attention to, and you can't be easily sloppy with various internal problems, and you need to have a certain method when inquiring about credit.

In fact, when inquiring about credit, many people will ask that this document is provided to the company for viewing, so can you check the credit by yourself, and if you check the credit by yourself, what will be the impact on yourself? In fact, you want to check your own credit is to see if there is a problem with your own credit, if there is a situation, you can apply to the bank to change, so that your credit information can be corrected in a timely manner, and will not cause problems because of your own ignoring factors, and your own credit inquiry is not affected, after all, credit is a document that can be disclosed to yourself, mainly to check whether there are errors and omissions in your credit information, and others can also see whether we have major faults in the credit information, Otherwise, there would be no particularly important information.

After all, credit information is also the primary evaluation of a person's quality, many times to determine whether they have credit problems, once there is a problem, you can also make corrections in time, after all, credit will affect your own loans, employment and other problems, these are difficult to solve in life, once there is a credit problem, it means that a lot of follow-up impact will always be with us, has a little influence on our lives.

Of course, you can check the credit. There is no impact, but it will also let you know whether there is a problem with your credit information, so that you can make judgments and solve them in a timely manner.

You can also check your own credit, and checking your own credit has no effect, just to see if you have any records of these violations.

Yes, but if you check it more often, it will affect your credit problem, and it will also affect your final consumption, and it will also affect your daily life and work.

It should be possible, just look it up online. It won't make a difference, because it's its own content.

Every time you use your ID card to check the credit will leave traces, the inquiry time and the inquiry agency will be recorded by the system, although it can not be used as a personal credit is good or not, but in a short period of time to inquire many times, in order to ensure the return of money, banks and financial institutions will refuse to lend or reduce the lender's loan amount, affecting the loan amount, if you frequently check the credit but do not get a credit card or bank loan, the bank will use this to prove that the lender has financial problems, and it is likely to cancel the lender's loan qualification. Therefore, personal credit must not be frequently inquired.

Extended Material: The Importance of Personal Credit Reporting.

1.A person with good credit has many conveniences in borrowing money, applying for bank credit cards, and daily life. At present, when buying a car, buying a house, applying for a credit card and a loan, you will check your personal credit, and there are two types of corporate credit and personal credit in the credit system, and you can check it by going to the local credit department with your ID card.

2.Banks and professional financial institutions will examine the user's credit situation before issuing the loan, and will not grant the loan if there is frequent overdue repayment and the user's credit status is not good. If there is a long-term overdue behavior in the personal credit report, it may be stopped from entering and exiting, but as long as the consumption is good and the loan is repaid on time, according to the relevant regulations, the credit bureau's bad record of the individual will be kept for 5 years, and it will be automatically deleted after 5 years.

3.Regardless of whether you inquire by yourself or by an authorized institution, the more times you make inquiries and prove that you have more debts, it will have an impact on the actual loan approval rate and loan amount. Because banks will check personal credit before lending, the more times they check the application records, the bank will infer that the user's financial condition is poor and the repayment ability is insufficient, so it will not grant a loan or reduce the loan amount.

4.It is everyone's right to check personal credit, not only individuals can inquire about credit, but third-party independent machine pants Patrick can also authorize inquiries, credit is the act of recording personal credit, and these behaviors will have an impact on future economic activities. Although multiple inquiries about personal credit will not affect credit records, let alone cause bad records on credit information, it will still have an impact on personal envy and lending.