Personal credit report is very important to most people. Even if people don't apply for loans, credit reporting will affect all aspects of our lives. Many people will check their credit information before applying for a loan. If the credit information does not meet the requirements of the loan application, they can give up applying for the loan, which can also avoid the hard inquiry record on the credit information. So is there a limit to the number of credit inquiries? Does it have a negative impact on printing credit reports? Today, Bian Xiao will give you a detailed introduction!

First of all, about the limit of the number of credit inquiries. In China, every citizen can check his credit report twice a year for free. This is one of the rights and interests stipulated in the Personal Information Protection Law of People's Republic of China (PRC), aiming at protecting personal privacy and legitimate rights and interests. If you need to make additional inquiries or frequently inquire about your own credit report, you usually need to pay the corresponding fees. In addition, under certain circumstances, additional credit reports can be applied for free. For example, in economic disputes involving important matters such as studying abroad or employment, the relevant institutions may request the latest credit report for reference, and the expenses shall be borne by the relevant institutions.

However, it is worth noting that in the process of commercial lending, financial institutions "audit" personal/corporate information for business needs, which is not regarded as "actively" collecting your information to form their own inquiry records, so it will not be included in the inquiry frequency limit of credit report.

The next step is about whether printing the credit report has a negative impact. In fact, printing your own credit report will not have a negative impact on personal credit. According to the regulations, individuals can obtain their own credit reports at any time through authorization, which will not be regarded as "active" inquiry and will not produce any negative records. Therefore, you can print out the credit report for reference or provide it to relevant institutions at any time, and it will not cause any damage to your personal credit rating and loan application.

To sum up, there is no limit to the number of free credit inquiries twice a year, and additional credit reports can be applied for free under certain circumstances. Printing your own credit report will not have a negative impact on personal credit.