1. Generally speaking, personal credit inquiry records will be cancelled after two years. Therefore, if you are afraid of too many credit reports, try not to apply for some online loans for personal credit reports, or often apply for credit cards. If users make too many credit inquiries, the biggest impact is loans, especially bank loans.
2. According to the regulations, the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident.
3, that is to say, as long as it takes more than five years, bad records will be eliminated. Five years here does not mean that you can not pay back the money after five years, but that after paying off the debt, you can use five years to eliminate the bad credit record. A few years.
1. What does the credit report include? At present, it mainly includes the following types of information:
Basic information: including personal name, gender, ID number, home address, date of birth, work unit and telephone number.
2. Credit information: information related to credit. Credit record is the key to personal credit report information. Such as credit card repayment, loan information, loan balance, repayment records, guarantee information for others, etc.
3. Other information: personal provident fund and pension information, personal credit report inquiry records, etc.
4. There are two common credit checking methods. First of all, you can log in to the Credit Information Center of official website and China People's Bank and register your own information.
Second, I can take my ID card to the local people's bank or a bank authorized by the people's bank, or I can get a paper version of the credit report. Everyone has free consultation twice a year.
1, it is ok to check the credit information several times a year. We will leave an inquiry record every time we make an inquiry. Too many inquiries will affect services such as loans in the future.
Third, how to cultivate a good sense of credit in the real society? It should be noted that the overdue credit card, providing guarantee for the third party, the third party's failure to repay in time, too much debt and too many times of credit investigation will all affect his personal credit investigation. Therefore, it is recommended that you pay attention to the following points when maintaining personal credit information:
1. Develop a good repayment habit: when using credit products such as credit cards and loans, you should repay on time, remember the repayment date and avoid overdue.
2. Don't have too much debt information: When using related loans, don't have too much debt and don't exceed our repayment ability.