As for the number of times a personal credit report is issued, there is no limit on the number of times or years, which means that you can check personal credit information without limit within a year.

However, the Credit Information Center of the People's Bank of China stipulates that each person is allowed to check personal credit information for free twice a year. After more than two times, a service fee of 25 yuan will be charged each time.

Although the credit report can be checked many times a year, checking the credit report too frequently will affect the bank's loan application.

If there are too many "hard inquiries", banks and other financial institutions may refuse to provide loan services to users. The so-called "hard inquiries" are inquiry records generated by reviewing customers' financing applications, such as credit card approval, loan approval, etc.

It is understood that the central bank credit report can only be checked by the person himself or with his authorization.

Excessive credit inquiries indicate that the inquirer has greater potential debt pressure and higher potential risks. Moreover, the official website of the Central Bank's Credit Reference Center also shows that if within a relatively short period of time, the credit report has been queried by different banks many times due to loan, credit card approval, etc., but the records in the report indicate that no new loans or loans have been obtained during this period. Having applied for a credit card may mean that the information subject has applied for loans or credit cards from many banks but failed. Such information may have an adverse impact on subsequent related applications.

However, various banks have different requirements for the frequency of credit inquiries. It depends on the specific regulations of each bank.