Credit can be checked several times a year, and up to a few times a year

According to relevant reports, we have the opportunity to get a personal credit report for free twice a year, but we need to pay 10 yuan for each additional check. The role of the personal credit report is to provide an honest basis to individuals or institutions, reflect the citizen's lending information from the record, as long as there is a business need, you can check personal credit anytime and anywhere, and once you find an objection to the information record, you must deal with it in a timely manner.

According to the bank's internal personnel, it is best not to inquire more than 5 times a month. If there are too many credit inquiries, it will reflect that the customer's potential debt pressure is greater, the customer's potential risk is higher, and the customer is constantly applying for loans, credit cards, etc. In addition, if the report does not show that the customer has obtained a loan or credit card, etc., and proves that other institutions believe that the customer is in poor financial condition and choose not to approve it, then it is also a reminder to the subsequent inquiry agency, and it is basically difficult to apply successfully.

This situation should be avoided by the individual.

Extended information: General credit inquiries are divided into the following two situations:

1) Personal inquiries.

At present, everyone has 2 opportunities to check the credit report for free every year, and from the third time, users will be charged a query fee for each query.

2) Institutional inquiry.

When we apply for credit cards and loans, institutions will inquire about the user's personal credit information, and this kind of inquiry record is called a hard query.

According to article 17 of the "Regulations on the Administration of the Credit Reporting Industry", information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year. According to reports, in the branches of the People's Bank of China across the country, as well as the outlets of some financial institutions, and the government affairs halls of some regions, inquiries can be made through self-service inquiry machines.

According to the relevant person in charge of the credit investigation center of the People's Bank of China, two free inquiries per year, the third time began to charge 10 yuan, and then each inquiry was charged 10 yuan, and it is possible to check as many times a year, but it is recommended not to check too much every year, because if the number of checks is too much, it may also affect the credit of my bank loan.

If, after making inquiries, it is found that there are errors or omissions in the information collected, stored, or provided by the credit reporting establishments, the information subject has the right to raise objections to the credit reporting establishments or information providers and request corrections.

The People's Bank of China will have two free opportunities to check credit every year, which can be checked on the ** of the People's Bank of China, and you can check it by registering. You can also check on the applet, search on the applet of a letter: personal report query, this applet, you can query the personal credit report, the information is very complete.

The credit report can be checked several times a year and does not affect the loan.

Regarding the number of times a personal credit report is issued, there is no limit to the number of times and no limit to the number of years, which means that you can check personal credit information without limit in a year.

However, the Credit Information Center of the People's Bank of China stipulates that each person is allowed to make free inquiries about personal credit twice a year, and after more than two times, a service fee of 25 yuan will be charged each time.

Although credit inquiries can be made many times a year, too frequent credit inquiries will lead to the impact of bank loan applications.

If there are too many hard queries, banks and other financial institutions may refuse to provide users with lending services. The so-called "hard inquiry" refers to the inquiry records generated by the review of the customer's financing application, such as credit card approval, loan approval, etc.

It is understood that the central bank's credit report can only be queried by the person or his authorization.

The excessive number of credit inquiries indicates that the inquirer's potential debt pressure is greater and the potential risk is higher. In addition, the official website of the credit information center of the central bank also shows that if the credit report is repeatedly queried by different banks due to loans, credit card approvals and other reasons in a relatively short period of time, but the records in the report indicate that no new loans or credit cards have been applied for during this period, it may indicate that the information subject has applied for loans or credit cards from many banks but have not been successful, and such information may have an adverse impact on subsequent related applications.

However, the frequency requirements for credit inquiries are not consistent among banks. It also depends on the specific regulations of each bank.

A: The People's Bank of China does not have a clear regulation on the number of inquiries, and it can be said that the number of inquiries is unlimited. However, there are more credit inquiries, which will have a certain impact on individuals.

For example, when there are too many credit inquiries, the bank will consider that the user has more debts, and will carefully approve the financial business. For credit inquiries, the People's Bank of China stipulates that individuals have 2 free opportunities for inquiries, and if there is a third inquiry, a certain service fee will be charged.

Generally speaking, it is not easy for institutions to inquire about credit information records too much, according to the bank's internal personnel, it is best not to inquire more than 5 times a month for institutions. If there are too many credit inquiries, it can reflect that the customer's potential debt pressure is greater, the customer's potential risk is higher, and the customer is constantly applying for loans, credit cards, etc. It is recommended that individuals can inquire twice a year, and it is still an opportunity to inquire for free, such as one query in the first half of the year and one in the second half of the year.

It should be noted that it is not good to have too many queries in the short term. Because each inquiry is recorded and shown in the report, if an individual makes too frequent inquiries in the short term before applying for a loan, the financial institution will think that the individual has credit risk and may be cautious about lending.

According to the relevant person in charge of the credit investigation center of the People's Bank of China, two free inquiries per year, the third time began to charge 10 yuan, and then each inquiry was charged 10 yuan, and it is possible to check as many times a year, but it is recommended not to check too much every year, because if the number of checks is too much, it may also affect the credit of my bank loan.

1. Classification of credit reporting

Enterprise credit reporting is mainly an institution that collects enterprise credit information and production enterprise credit products; Personal credit reporting is mainly an institution that collects personal credit information and produces personal credit products. In some countries, these two types of business are completed by one institution, while in some countries two or more institutions are completed separately, or in a country there are both institutions engaged in individual credit reporting alone, as well as institutions engaged in two types of credit reporting business, individuals and enterprises, and there are generally no restrictions, and the credit reporting agencies make their own decisions based on the actual situation.

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 credit report of the People's Bank of China is very important, when the user applies for a loan or a credit card, the bank will check the credit report, if the credit report is tainted, then the bank may refuse. Therefore, people should pay attention to their credit reports, so how many times can they check their credit information a year? Will it make a difference to check your credit frequently?

First of all, the credit report is divided into two types: paper report and electronic report, the paper version of the credit report can be checked twice a year for free, if you want to check it a few more times, then you need to pay an additional fee. The electronic version of the credit report is free of charge no matter how many times you check it, and the electronic version of the credit report can be applied for through the credit information of the People's Bank of China** and the bank's software. However, the information recorded on the paper version of the credit report is more detailed, you can see the time of each application, and you can also see the repayment of your previous loans, and the information recorded in the electronic version of the credit report is relatively simple.

The first thing to tell you is that the credit report of the People's Bank of China can not be checked often, if you often check the credit report, the bank will think that you are not confident in your own credit, if you want to apply for a credit card or a loan at this time, the bank may refuse after seeing it. In addition, when you apply for a credit card or loan, you will also check the credit information, and you will check it once every time you apply, and the number of such inquiries will also affect your loan.

If you have a loan in the bank, then you should repay the loan according to the specified time, if you are late in repayment, it may cause a stain on your credit report. In addition, if it is due to the bank's reasons that cause you to be overdue, then you should appeal to the credit information management department in time, and the credit information management department will ask the bank to make corrections.

The credit report is divided into two types: paper report and electronic report, the paper version of the credit report can be checked twice a year for free, if you want to check several times then you need to pay an additional fee.

1. Credit reporting is a Chinese term that means collecting, sorting, storing, and processing the credit information of natural persons, legal persons, and other organizations in accordance with law, and providing services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks, and conduct credit management activities. From "The Eighth Year of Zhao Gong" in "The Words of a Gentleman, Faith and Signing, So the Grievance is Far Away from His Body". Among them, "trust and sign" means that it can be verified that its words are faithful, or solicit and verify credit.

II. Credit reporting is an activity in which specialized and independent third-party institutions establish credit archives for individuals or enterprises, collect and objectively record their credit information in accordance with law, and provide credit information services to the outside world in accordance with law, and it provides a platform for professional credit granting institutions to share credit information.

3. Credit reporting records the individual's past credit behaviors, which will affect the individual's future economic activities, and these behaviors are reflected in the personal credit report, which is often referred to as "credit history". Until 2012, there was not a single law or regulation in China's current legal system that provided a direct basis for credit reporting activities. In October 2009, the Legislative Affairs Office published the full text of the Regulations on the Administration of Credit Reporting (Draft for Solicitation of Comments) to solicit opinions from all sectors of society on the Regulations on the Administration of Credit Reporting.

IV. On December 26, 2012, Premier Wen Jiabao presided over an executive meeting, at which the "Regulations on the Administration of the Credit Reporting Industry (Draft)" was deliberated and adopted. The meeting pointed out that the credit reporting industry is an industry that provides credit information services in the market economy. Credit reporting services may create conditions for preventing credit risks and ensuring transaction security, and promote the formation of a social environment in which the creditworthy benefit and the untrustworthy are punished.

V. The national credit reporting industry has grown from scratch and is gradually developing, its role is becoming increasingly apparent, and the credit reporting market is beginning to take shape. The "Regulations on the Administration of the Credit Reporting Industry (Draft)" regulates the collection, collation, storage, and processing of personal or enterprise credit information, and the provision of credit reporting business activities to information users. The draft stipulates that the People's Bank of China and its dispatched agencies shall supervise and manage the credit reporting industry in accordance with law.

The Draft provides for stricter market access requirements and corresponding approval procedures for credit reporting establishments engaged in personal credit reporting operations, clarifies the scope and conduct norms for credit reporting establishments to collect, store, and provide credit information, and clarifies the rights of information subjects.

VI. The emergence of credit reporting activities stems from the emergence and development of credit transactions. Credit is a special form of value movement conditional on repayment, including forms such as money lending and commodity credit sales, such as bank credit, commercial credit, etc. The modern economy is a credit economy, and credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.

You can check up to 5 times, if you check it often, it will definitely have a certain impact, if you check it like this, there will definitely be some bad effects, which may affect your future loan business.

You can check it 5 times a year. If you check it often, it will definitely have a big impact, so don't check it if you don't have to.

Individuals can inquire twice a year, and it is best not to do more than five times a month, and it will also have an impact if there are too many inquiries.

The credit report can be checked twice a year free of charge. There is no limit to the number of inquiries of the credit report, but the individual inquiry of the credit report is only two free opportunities per person per year, and if the individual still wants to inquire about the credit after the free opportunity is used, he needs to pay 10 yuan for a query.

Article 10 of the Regulations on the Administration of the Credit Reporting Industry.

The establishment of a credit reporting agency for the credit reporting business of enterprises shall meet the requirements for establishment provided for in the "Company Law of the People's Republic of China", and within 30 days from the date on which the company registration authority approves the registration, it shall file with the local credit reporting industry supervision and management department's dispatched agency, and provide the following materials:

1) Business license;

2) Description of the shareholding structure and organizational structure;

3) The basic situation of the business scope, business rules, and business systems;

4) Information security and risk prevention measures.

If there is a change in the filing matters, the change shall be filed with the original filing authority within 30 days from the date of the change.

Article 11. Credit reporting establishments shall follow the provisions of the department for the oversight and management of the credit reporting industry to report on the previous year's conduct of credit reporting operations.

The departments for oversight and management of the credit reporting industry shall announce to the public the list of credit reporting establishments that operate personal credit reporting operations and enterprise credit reporting operations, and promptly update them.