How many times a month is it normal to check the credit? It is normal to check the credit several ti

By checking the credit information, you can know the borrower's credit status, whether there is an overdue record, the number of times you apply for a loan, etc., so how many times a month is normal?

Generally, the number of applications for credit check in a month should not be too much, otherwise it will affect the loan. Because if the user's personal credit is checked too many times in a month, it will be considered that the user has applied for a loan from multiple banks or financial lending institutions within a month, which may directly affect the financial institution's credit rating and loan approval.

It is recommended that you should inquire no more than 3 times a month, no more than 10 times a year, and 2 or 3 times in a month. At the same time, it should be noted that the length of the interval between each inquiry is also crucial, and it is not recommended to check the credit report multiple times in a short period of time, and it is best to check it again after an interval of 3 or 6 months.

Each time a user's personal credit inquiry is made, the reason will be marked, such as objection inquiry, credit card approval, loan approval, guarantee qualification approval, etc., which are all negative inquiry records. Some institutions even stipulate that if a person's credit is checked more than 4 times a year, they cannot apply for a loan at a financial institution.

Online loan users can also check their credit qualifications by docking with third-party big data risk control platforms, such as Xiaoqi Xincha, Sesame Credit, etc., the former has established data cooperation with more than 98% of online lending institutions on the market, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans is shared on most loan platforms, which means that if the borrower is overdue or owes money on one platform, such a bad record will also be disclosed on other loan platforms, so you must carefully maintain your online loan credit, otherwise when you encounter an economic crisis again, you will not be able to obtain online loan products with good personal credit.

Personal credit records will not be affected if they are checked three times a month.

If you frequently check personal credit records on the Internet or relevant institutions, it may affect personal credit behavior, because banks now stipulate the number of times the parties can check credit records. If the record query is too frequent, it actually has an impact on the individual, so it is recommended that you should not query more than three times a month, and if you don't have to, don't query on **.

Extended Information: Credit Investigation:

Credit reporting refers to activities that collect, organize, preserve, and process the credit information of natural persons, legal persons, and other organizations in accordance with law, and provide services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks, and conduct credit management. Correspondingly, institutions engaged in credit reporting activities are credit reporting agencies, also known as credit reporting offices. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information to commercial banks.

You can also check your personal credit report through the Internet or at your local People's Bank of China branch. I hope my answer can help you.

What behaviors affect credit reporting?

1. Improper use of credit cards.

If a credit card is overdue for three consecutive times or six times in two years, it will be reflected in the personal credit history and will have a direct impact on future loan applications. In addition, the fraudulent use of ID card or copy of ID card by others will affect personal credit reporting.

2. Personal debts.

Loans such as student loans, housing loans, and car loans have not been repaid in a timely manner; When providing security to a third party, the third party fails to repay the loan on time (external guarantees are also debts); If the loan interest rate is raised, the "monthly payment" or installment is still paid according to the original amount, and the overdue interest will affect the personal credit report.

3. Personal credit has been inquired many times.

Whether it is an individual's own inquiry or an authorized inquiry by others, the excessive number of credit inquiries indicates that the customer's potential debt pressure is greater and the customer's potential risk is higher.

4. Whether the spouse's credit is good or not is a very important factor.

If you are married, then if your spouse has bad credit, has an overdue credit card, or has too much debt, it will affect the individual's credit rating.

5. Bad public records.

For example, unpaid property fees, water bills, electricity bills, gas bills, ** arrears, unpaid taxes, etc., will lead to a lower credit rating. At the same time, traffic violation information is also being included in the credit reporting system on a pilot basis. In addition, for the "old lai" who has not executed the court's judgment to repay the loan, they will be included in the "dishonest list", so the "stain" of credit investigation is inevitable.

1 time.

The Credit Information Center of the People's Bank of China has no limit on the number of times a personal credit report can be printed, but from June 3, 2014, the Credit Information Center has issued a new regulation: each person can make two free inquiries about personal credit information per year, and a service fee of 25 yuan will be charged for each time after the third time.

In addition, the personal credit report should not be queried too many times, and it is best not to check it more than 6 times a year, otherwise it will affect the personal credit, especially the number of credit inquiries, but the credit card and loan that have not been successfully applied for under the name will be determined by the bank as having bad personal credit.

Precautions for personal credit reporting.

The credit report will record the relevant information of the individual in detail, such as address, **, ID number, spouse information and other information. The update time of this information is generally up to the last time the individual handled financial business. If you applied for a credit card six months ago, the information you fill in on the credit card will overwrite the information you filled in the previous financial transaction.

This type of information has a high accuracy rate and is suitable for banks to check various relevant information. For example, if you borrowed a loan when you were unmarried, and after you repaid it, until you got married, your son did not engage in financial business when he got married, then your credit report shows that you are still unmarried. In another case, if you have never done any financial business (the information will not be uploaded when you open a passbook or savings card), there is a blank on the credit report.

This kind of account is commonly known as "white account" in the banking industry.

The number of queries is not much, and there is no impact.

If there are too many credit inquiries, then it can reflect that the customer's potential debt pressure is greater and the customer's potential risk is higher. Secondly, for a period of time, the client authorizes other agencies to frequently inquire about personal credit reports.

However, the report does not show that the customer has obtained a loan or credit card, which proves that other institutions believe that the customer is in poor financial condition and choose not to approve it, so it is also a reminder for the subsequent inquiry agency that it is basically difficult to apply successfully.

At present, everyone has the opportunity to inquire for free twice a year, and you can choose once in the first half of the year and once in the second half of the year, so that you can find out the abnormalities, errors, and omissions in the report in time. If you apply for an online loan or credit card, it is recommended not to do more than 5 times a month, and more than this number is too frequent.

I checked my credit 3 times a month, which is a relatively frequent credit check.

At this time, the user can still apply for credit business.

It's just that financial institutions will be stricter when reviewing. After that, if you continue to increase the number of credit inquiries, for example, if the number of credit inquiries exceeds 6 times or more within half a year, it will lead to the credit investigation being spent, and it is very difficult to apply for credit business after the credit investigation is spent.

Extended information: 1. Personal credit.

There is no direct score calculation, as long as it is divided into grades according to the actual situation of the user, it is mainly divided into three levels: A, B and C, and the discount in each level is divided into three levels, and there are 9 levels in total.

2. Often the A level represents that the user is very honest, of which the AAA level indicates that the user has a strong willingness to repay, and the comprehensive score can reach more than 90 points, the comprehensive score of the AA level is more than 80 points, and the comprehensive score of the A grade of loss rent is more than 70 points. The B grade represents that the user is more trustworthy, and the BBB grade comprehensive score can reach about 70 points, the BB grade comprehensive score is more than 60 points, and the B grade is more than 50 points. C level means that the user's willingness to repay is relatively poor, and there is a situation of overdue repayment, and when the user's level is C level, it may still be on the blacklist.

Middle. 3. From the above, it is not difficult to see that when everyone's credit rating is C, you should pay special attention, and the loan application is easy to be rejected. According to the actual review situation of the bank, not all C-level users will be rejected by the bank, mainly depending on the specific overdue situation.

If the previous overdue time is relatively short, especially if it is only a few days, it often does not have a big impact on the loan application.

4. Or the overdue amount is relatively small, maybe only a dozen yuan, which will have a relatively small impact on the loan application. Especially if the overdue situation itself is not very serious, it is more than a year from now, and the impact will be further reduced.

Under normal circumstances, a user prints credit more than 10 times in a year, or the credit is hard checked 5 times in a month, which can be called a credit report. Different financial institutions have different credit requirements for loan applicants, but checking the credit 5 times in a month is equivalent to spending credit for most financial institutions.

1. Corporate credit was first produced in the United States, starting from bond ratings. John Moody's, the founder of Moody's, established the first system to measure the risk of bond failure, and determined the bond rating according to the risk of default. In 1918, the United States stipulated that all foreign bonds issued in the United States must obtain rating results before issuance.

Corporate credit has proved successful in the history of the United States and the history of financial development, and countries around the world have also learned from the experience of the United States and successively established their own evaluation agencies. Moody's and Standard & Poor's have become global assessment bodies, and the levels they determine are common and authoritative in many countries. In China, corporate credit was basically generated in 1987 at the same time as the issuance of bonds by enterprises.

However, it is still in the development stage due to the immature financial market.

II. Under this situation, the continuous expansion and deepening of China's credit reporting activities has made the urgency of strengthening and promoting the construction of China's credit reporting laws and regulations and systems increasingly prominent. People in the legal circles said that at present, China's legal system is gradually maturing, and various laws and regulations have come into being along with the needs of social development and economic construction, but the legislative work on credit reporting is still lagging behind. The main manifestations are:

Although China stipulates the legal principles of good faith and law-abiding in the General Principles of the Civil Law, the Contract Law and the Anti-Unfair Competition Law, and stipulates the punishment for criminal acts such as fraud in the Criminal Law, there is a lack of legislation directly related to the credit system, especially the Regulations on the Administration of Credit Reporting. In practice, most of them operate in accordance with departmental rules, and the legislative level is not high enough; In addition, there are no complete laws, regulations and industry norms for existing credit reporting enterprises such as credit intermediaries and rating companies, and there is no institutional framework to promote their development of their business behaviors, and the existence of these problems greatly restricts the development of credit reporting activities.