Can't the credit report be checked frequently?

The credit report does not limit the number of inquiries, and can be frequently inquired, but after frequent inquiries, the user's credit information will be wasted. Users should pay attention to the time interval when inquiring about the credit report, which will not affect the personal credit report, but also facilitate the approval of loans and credit cards. After frequent inquiries, the credit report will take some time to recover. Please do not add any inquiry records during the credit recovery period.

Extended data:

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.

After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

The credit report is based on the Report on the Development of Credit Information Industry in China (2003-20 13) issued by the People's Bank of China, forwarded by the Central People's Government of People's Republic of China (PRC). It is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report.