Do it at least once a year. While knowing your own credit, you can also check whether there are other anomalies. For example, the wrong information, whether someone applied for payment or bank card with their own identity, and so on.

Step 2 be careful with credit cards

If you apply for a credit card, you must remember to repay it on time after use. Overdue credit cards are the most likely to affect credit reporting. Once overdue is recorded, the information will be kept for 5 years, even if the card is cancelled. In addition, some credit cards will charge an annual fee if they are not activated. If you forget to pay the annual fee, you will also have overdue records. Therefore, those idle credit cards must be closed in time.

3. Be careful to vouch for others

If someone asks you to help with the secured loan, if the insured fails to repay the loan within the time limit, you are also jointly and severally liable. Not only will his credit information be affected, but you will also be affected.

4. Manage personal information well

If you change your mobile phone number, you must go to the financial institution to update it in time to avoid overdue notice. Also, don't lend your ID card at will, and don't disclose your identity information to outsiders at will, especially when surfing the Internet. If you find that your ID card has been stolen by others, you should report it to the police station as soon as possible to safeguard your legitimate rights and interests and reduce losses.