You can check your own credit information. We should know that credit investigation is a personal credit record. If your online loan is overdue or the money borrowed from the bank is not paid back in real life, your credit report will produce corresponding bad records, and your credit qualification will become worse. So everyone should check their credit report at least twice a year, once in the first half of the year and once in the second half of the year. You can check your own credit information, which is also stipulated by the state and has no effect. However, you can't query too much in a year. It's best to make an inquiry twice a year, which is enough. Don't always pry. Too many inquiries will also make your credit information worse.
1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2. Credit information records an individual's past credit behavior, which will affect the individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management. Credit investigation is an ancient word in China. In Zuo Zhuan, there is a saying that "a gentleman's word is a promise, but it is hard to catch up with it", which means that whether a person keeps his word can be verified. With the development of modern credit information system, individuals engaged in economic activities have an "economic identity card" in addition to their resident identity cards, that is, personal credit reports.
Does it matter if you often check your personal credit report?
If users inquire about credit information more often, it will have a certain impact. If they only print credit information, there won't be too many negative problems. Generally speaking, in daily life, users should not inquire about personal credit information too frequently, because every inquiry of users will be recorded in the credit information system of the central bank. If the number of credit inquiries is too frequent, it is easy for credit information to blossom. Even if individuals personally check the credit records and frequently leave inquiry records, banks will feel very suspicious.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
1. Irregular query record
It is actually helpful for users if the records are inquired irregularly and are not overdue. Judge the credit qualification of users through the debt repayment, credit card repayment records and the number of cards held in the credit report.
2. Apply for loans frequently
If you have a recent record of frequently applying for loans, it is not good for the borrower. If every application is unsuccessful, it can only show that the user's recent credit qualification needs to be investigated. In addition, some banks may reject users who have made too many credit inquiries recently. Too many credit inquiries in a short period of time indicate that users are very short of money and the repayment risk is relatively high.
3. Under normal circumstances, personal inquiries and post-loan management inquiries are generally not included in the number of inquiries, and the inquiries of banks and lending institutions are the key to affecting the number of credit inquiries.
4. In addition to the credit inquiry records, banks will also look at the personal information of users, such as the social security payment unit and the amount paid by the provident fund, to judge whether the income of users is true.
5. At present, the formal loans in the market are all connected with the central bank's credit information, such as borrowing money, spending money, micro-loans, JD.COM gold bars, white bars, etc., so everyone must maintain their credit records and repay them on time after borrowing.
Will checking credit information affect credit?
Credit investigation will not affect credit, generally only related to the use records of financial products such as credit cards and loans. /p However, if there are too many credit inquiries, it may affect the borrower's loan application, because too many credit inquiries indicate that the borrower may apply for a loan many times or fail to apply for a loan many times, and the lending institution will judge that the borrower's qualification is low. There are two ways of credit inquiry: online and offline. One is to directly log in to official website of China People's Bank, register for inquiry, and follow the prompts step by step. The other is to take a personal ID card to the People's Bank of China to print a personal credit report, but all the operations need my own operation, because facial recognition is needed. Although checking credit information is free, it is recommended that individuals check credit information two or three times a year.
The bank stipulates that the system needs to update the personal credit database once a month, and the general interval will not exceed 2 months. So in general, the information that can be found in personal credit records is 1 2 months ago. If there are overdue records, the time of credit inquiry depends on the update time of each bank, which is usually one month later. According to the central bank's regulations on credit management, the retention period of bad information should be kept for 5 years from the date of termination of bad behavior, and those that exceed 5 years should be deleted. Therefore, if there are bad credit records of loans on personal credit information, and there are no other credit problems within 5 years, they will be automatically deleted after 5 years.