:
1. Normally, as long as there is no bad credit record, the number of times I check my credit has basically no effect on my personal credit.
2. Note that I can only check twice a year for free, and from the third time onwards there will be a charge of $25.
3. If you have too many credit inquiries, banks and other institutions will assume that you are engaged in other financing businesses, which will have a negative impact on your loan approval.
Steps for checking your credit at the online credit center:
1. The first thing you need to do is to register at the credit platform, first open the official website of the People's Bank of China Credit Center's personal credit information service platform, and click on Register.
2. Fill in your relevant information to register.
3. Fill in the account password you just registered to log in.
4. Click on "Information Services" - "Request Credit Information".
5. Select the verification method, choose credit information, and click Next. It will take about a day for the system to complete your authentication.
6. After 24 hours, log in to the credit center website again. Click on "Information Service" - "Get Credit Information", select Credit Information, enter your ID verification code, and you will be able to check your credit information.
How to query the personal credit report and personal credit report online query:
1, the central bank to query the personal credit report Generally, you can go to two places, the first is the central bank's local head office, directly with their ID card, you can go to the bank to fill out the application form (application form must be filled out truthfully) can be processed after. There is also a place where the central bank has set up a special credit management department, with their own valid documents to query is also possible.
2, online query personal credit report If you have a late record online or have a record of borrowing on multiple platforms, then your various records will be the big data wind control, then you will apply for credit will be frequently rejected, and even your Chanting Chanting will also be closed. If your big data is abnormal, you can search for the small program in WeChat: XinDuoHui, enter the view to get their own big data and credit, but also can get all kinds of index data such as: blacklist situation, online loan application record, apply for the type of platform, whether the late, multi-borrowing, whether there is arbitration case, and so on the important data information.
1, frequent card
Nowadays, most people don't use cash to pay, but choose bank cards, so many people will have a variety of credit cards on hand, because each kind of credit card can enjoy different benefits.
Here are some tips on how to avoid having more than 5 credit cards, because frequent applications for credit cards will leave a record in your credit report, and a failed application will also leave a record of inquiries, which can have a significant impact on your credit score.
2, activation quota
Now a lot of loans will play ball, in order to obtain your personal information, in the loan application page does not indicate "application", but labeled "view", " Get", "check the amount" and other words, in fact, you click in, has been queried credit. All in all, applying for a loan, applying for a card must be careful, a little inattention will be left in the credit inquiry record, the number of times a great impact.
3, check credit
Credit report "hard inquiry" including credit card approval, loan approval and guarantee qualification review, corresponding to the credit card, apply for a loan, guarantee for others, etc., for these businesses must be careful, do not exceed 3 times in a month, not more than 10 times within half a year, or else will affect the approval of your other business.
Mobile phone model:oppo A57 t
WeChat version 8.0.13