If you ask too many questions, you can reflect from one aspect that the potential debt pressure of customers is high and the potential risks of customers are high. Secondly, for a period of time, customers authorize other institutions to frequently inquire about personal credit reports.

However, the report does not show that customers have obtained loans or credit cards, which proves that other institutions think that customers' financial situation is not good, and they all choose not to pass. Then, it is also a reminder to the later inquiry institutions, and it is basically difficult to apply successfully again.

At present, everyone has the opportunity to inquire twice a year for free. 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 anomalies, errors and missing information in the report in time. If you apply for online loan or credit card, it is recommended not to exceed 5 times a month. If it exceeds this number, it will be too frequent.

Extended data

According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events, and those that exceed 5 years shall be deleted.

The starting point of five years here is the date when the bad behavior or event ends, not the date when the bad behavior occurs. In other words, there is a loans overdue, which can only be deleted when the arrears are returned five years later, rather than automatically eliminated after five years overdue.

When the information in the personal credit report is wrong, there are two ways to deal with it: one is to bring the original and photocopy of valid identity documents and the personal credit report and file an objection application with the local branch of the People's Bank of China; Or directly contact the bank that handles banking business.

The Credit Information Center of China People's Bank and the bank handling this business will immediately check and correct the wrong information after receiving the objection application, and give a reply within 20 days.

At present, there are three ways to query personal credit reports.

People's Daily Online-Too many personal credit reports affect the loan industry: 1 month, no more than 5 times.