Credit information refers to personal credit information, which can be said to be a postcard of everyone's economy and reputation. When applying for a credit card or loan, financial institutions will require users to authorize credit inquiry or provide their own credit report. If there are too many records in the credit report, it will also cause adverse effects, so the number of inquiries should be controlled within a reasonable range.

How many times can I check the credit information a month?

There is no limit to the number of credit inquiries in one month, but it is recommended that the number of credit inquiries should not exceed 5 times in one month and 10 times in two months. Specific to the query several times will refuse loans, each bank's standards are different. Some banks can't exceed 10 times in two months, while others are two or three times a year.

There are many inquiry records in personal credit information, which will really hinder mortgage approval, because too many personal credit information inquiries in a short period of time will give people the impression that they are short of money and borrow money everywhere, which is not conducive to applying for credit cards and loans. The inquiry frequency of credit records is indeed a reference index, which is used as the basis for banks to judge whether risks are lent or not.

No matter whether individuals inquire by themselves or authorize others to inquire, too many times of credit inquiry indicate that customers have great potential debt pressure and high potential risks. The bank has reason to speculate that the user's financial situation is not good, the repayment ability is worrying, and the user's loan application is rejected.

The number of inquiries in personal credit information, which banks make inquiries, the purpose of inquiries, etc. Both objectively reflect the credit level of customers. If there is only one loan in your name, but it is inquired by many banks, the banks have reason to suspect that your solvency is not good and you are regarded as a risky customer.

It is very important for people who apply for mortgages not to apply for microfinance business frequently in a short period of time, but if you don't plan to borrow money to buy a house, there will be many inquiries in your credit information, which will not have a bad influence. If it is found that the credit report has been queried beyond its authority, it can be reported to the branches of the People's Bank of China.