How to check how many personal credit reports 1 Why is there no personal credit report I obtained

Here's how to do it:

1.Go to the home page and click on the Internet Personal Credit Information Service Platform.

2.After entering, click Login, fill in the login name, password, and click Login.

3.Authenticate. Users can choose the verification method of bank card, digital certificate or mobile financial IC card to obtain the verification result in real time. If you select the question verification method, you will receive the review result by SMS 24 hours after submitting the application.

If you fail to pass the identity verification many times, you can switch to other verification methods or go to the local branch of the People's Bank of China to check the credit report on the spot.

4.Submit a request for inquiry. The platform provides three products and services: personal credit information prompt, personal credit information summary and personal credit report.

Personal credit information reminder reminds registered users in a sentence whether they have overdue records in the personal credit reporting system for the last 5 years; The Personal Credit Information Summary presents a summary of the personal credit status of registered users, including aggregate information of credit history, public records, and inquiry records; The personal credit report shows the basic information of the registered user's personal credit information, including the detailed information of the credit history, some public records and inquiry records.

5.Get the query results. After the processing of the credit information product is completed (generally on the second day after the inquiry application is successfully submitted), the platform will send a text message containing the identity verification code to the user.

Users can log in to the platform and use the authentication code to view the query result within 7 days after receiving the authentication code.

First of all, you need to register on the credit reporting platform.

Open the official ** of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China and click User Registration.

Agree on some agreements to move on to the next step.

Fill in the personal real name and ID number and other information, there are 2 verification methods, it is recommended to select question verification, and then enter the next step to set the question verification content. Finally submit it and you're good to go.

When setting a password, you need to pay attention to the fact that it must contain uppercase letters, lowercase letters and numbers.

Submit a request for inquiry.

Log in to the official personal credit information service platform of the People's Bank of China Credit Information Center** Enter the account password verification code to log in.

After logging in, click Personal Credit Report Inquiry on the left, and select Question Verification as the authentication method.

After the next verification questions, you will be prompted to be notified of the results via SMS 24 hours later. Remember the tracking code and use it the next time you look at your personal information.

At the same time, you can also check the summary information and submit an individual application, and the result will not be available until the next day.

Get the query results.

Generally, you will receive a short message from the system the next day, and log in to the personal credit platform again at this time.

Then click Credit Report Inquiry on the left, enter the confirmation code in the SMS, and then click Submit to display the personal credit inquiry result.

Contains credit card loans, **arrears records, and other information.

Here's a sample credit report, such as a credit card that expired and didn't pay it on time.

No 1 means that you are overdue.

Overdue records will be displayed in the credit report as numbers, such as 1-30 days marked as a return"1", 31-60 days"2", 61-90 days"3"Recursively, literally, it seems to be about the same, but the difference is still very big.

Generally speaking, the overdue time of online loans is within 1-2 days, which will not have much impact, unless it is some banking institutions with particularly strict risk control, they will not be on the credit report, and most banks and loan platforms will provide a 3-day tolerance period, as long as the overdue amount is not large, it can be returned in time.

It is recommended that you try to conduct a credit test on WeChat "Raindance Quick Check" to find out whether you have an overdue record, if so, then quickly contact the bank, and both parties can formulate a reasonable repayment plan, pay off the fees as soon as possible, and eliminate the negative record of overdue.

The personal credit report is your "personal credit file", which comprehensively and objectively records your credit history and trajectory. Such as repayment of loan principal and interest, credit card overdraft, etc.

Personal credit mainly includes the following information;

Basic information; Your name, ID number, home address, place of work, etc.

Information about your bank loans; The bank where the loan was made and the time of repayment will be recorded.

credit card information; The credit cards you have applied for, as well as the use of the credit cards, as well as the transfer records, etc., are recorded, as well as deposits, withdrawals, transfers, payments, and balance information.

inquiries into personal credit reports; When you have checked your credit report, the number of times you have made it, and the reason for it.

5. With the gradual advancement of the national credit database, in addition to the above information, you will also record your other information, such as housing provident fund payment, social security information, and other public information, etc., and you don't know much about it.

In today's modern era, the country is making every effort to build an all-round credit network without dead ends, which also prompts us to have relatively high requirements for personal credit, and in the future, we must always pay attention to our personal credit, because it will be our passport to the new era.

Credit report: A record that records personal credit information.

In short, a personal credit report is an individual's financial identity card, which is the individual's financial identity card.

1. Content: The personal credit report records the individual's credit information, mainly including: personal basic information, credit information (whether there is a bank loan, whether there is an overdue, credit card overdraft record, etc.), non-bank information (water, electricity, gas and other public utility payment information, tax arrears, civil judgments, etc.).

This information will affect the individual's borrowing behavior at financial institutions. For example, when applying for a personal mortgage, the bank needs to look at the credit report, and if the credit status is good, it may get a discount, while if it has an overdue record, it may have to raise the price, or even fail to get a loan.

Second, the way of inquiry:

1. Online inquiry:

Available online (People's Bank of China Credit Information Center Personal Credit Information Service Platform.

check your credit report;

After the user's registration application is verified, the platform will send the activation code by SMS according to the user's mobile phone at the time of registration. The user needs to log in to the platform as soon as possible (no later than 7 days) and activate the user with the activation code, so that the platform's various query services can be used;

No charge for the time being: Since the Internet query is still in the pilot stage, there is no charge for the time being, and it needs to wait until it is promoted to the whole country before charging, and it does not occupy 2 free "places".

2. On-site inquiry:

Inquiry process: Individuals bring their original valid identity documents and 1 copy, fill in the "Personal Credit Report Personal Inquiry Application Form" at the inquiry outlets and submit an inquiry application, and if the number of inquiries exceeds 3 times or more in the current year, the staff will inform the individual that they need to pay the inquiry service fee, and the individual will voluntarily decide whether to pay for the inquiry. Fees are initially paid in cash and gradually increased as needed.

Fee standard: On May 28, 2014, the central bank announced that the Credit Information Center of the People's Bank of China will implement a fee system for individuals to inquire about their credit reports from June 3; Specifically, if an individual inquires more than twice a year, a service fee of 25 yuan will be charged each time, and the first two times a year will be free. The number of individual inquiries in 2014 will be counted from June 3, 2014, and the number of inquiries in each year after 2015 will be counted from January 1 of the same year.

Personal credit information is generally displayed all your information into the central bank's credit system, such as social security, credit cards, savings losses, loans, etc., and now it is more convenient to inquire about it, and you can use it in mobile banking or bank outlets.

Credit information is related to your own creditworthiness, and you need a loan, and your personal credit report can be found in the People's Bank of China** and the bank where you opened an account**.

It can be found on the credit information platform that a person's integrity is equal to a person's business card cavity socks, so to speak. has a close relationship with himself, which is a sign of good Zheng's personal honesty and trustworthiness. For example, in the case of envelopes and financial transactions, it is necessary to check a person's integrity record.

Personal credit is mainly related to your loan at a financial institution, and your credit card is also very important information.

Credit is generally related to some of their personal credit, and they have an impact on loans or daily consumption, so it is necessary to repay the loan in a timely manner, which is helpful to their own credit is regretful.

As far as I know, the People's Bank of China can make inquiries about personal credit (credit investigation), and you can just bring your resident ID card.

The personal credit report shows that there are two types of files, as follows:

1. The content of the personal version.

Basic personal information, credit records (including credit cards, loans, guarantees, asset disposal, etc.), public records (including tax arrears records within 5 years, civil judgment records, enforcement records, administrative penalty records, telecommunications arrears records, etc.), inquiry records (institutional and individual inquiry records within 2 years).

2. The content of the bank version.

Basic personal information (spouse information, unit information, social security and provident fund information are added to the personal version), credit records (different from the personal version is that the repayment records of each credit card and each loan within 5 years, regardless of whether the account is cancelled or not), public records, inquiry records, and the new version of the report also adds information such as fraud prevention warnings, objection information prompts, credit scores, subsistence allowance assistance, practice qualifications, and administrative awards.

Credit information: 1. Basic personal information on the basis of which an individual's identity is identified and reflects the individual's family, job, employment, etc.;

2. Personal credit information formed by the credit relationship between an individual and a financial institution or a housing provident fund management center;

3. Information on personal credit purchase and payment of split fees formed by the credit purchase relationship between individuals and commercial institutions and public utility service organizations;

4. Public record information related to personal credit formed by administrative organs, administrative affairs enforcement bodies, and judicial organs in the course of exercising their authority;

5. Other information related to personal credit.

1. What information is included in the credit report?

The credit report is an individual's "economic identity card", which records the loan repayment, contract performance, compliance with laws and other information in the individual's name.

There are 5 categories of detailed information included.

1. Basic information (ID card, residence information, occupation information, other personal information, etc.).

2. Credit information (record all loan repayment information entered into the credit report, including online loans, credit cards, housing loans, etc.).

3. Non-financial liability information (such as telecommunication payment, etc., which is information formed by consumption first and payment later).

4. Public information (social security provident fund information, court information, tax arrears information, administrative law enforcement information, etc.).

5. Query information (the record left by each inquiry credit report.)

Second, the information in the credit report comes from **.

1. Lending institutions.

2. Public utilities.

3. Courts and ** departments, etc.

3. How often is the credit report updated?

The content of the credit report is updated every day, and most institutions need to report the high data to the update system every day, so the credit information is basically a real-time record of the individual's credit situation.

4. Will a bad record be recorded in the credit report for the rest of your life?

The time for credit information to be recorded should be divided into incorrect information, positive information, or bad information. Bad information is kept for 5 years, positive information is always displayed in the report, and incorrect information is corrected in a timely manner.

5. Will the overdue payment information for 1 day constitute a bad record?

This is set by various institutions, and generally banks and other institutions will set a grace period, but if there is no bank with a grace period, the repayment date will be recorded in the credit stool to block the air, you can consult the loan bank to confirm the relevant information.

There are many inquiry records on the credit report, which is the reason why the lender has applied for many loans or authorized many institutions to check personal credit, but under normal circumstances, these inquiry records will not have any negative impact on the lender.

However, when applying for a loan, if the lending institution not only finds that the lender's credit report has many online loan inquiry records, but also the loan records of multiple lending institutions, it may reject the loan, because in the eyes of the lending institution, this is a long loan, and the economic situation of the lender is not so good, and there is a greater loan risk.

Therefore, in normal times, it is best for lenders not to authorize multiple institutions to check their credit reports, even if they want to apply for loans, do not leave loan records in multiple institutions, and repay loans in a timely manner according to the agreement after applying for loans, so as to maintain personal credit.

In the eyes of lending institutions, the credit report is an important document for judging the qualifications of the lender, and in order not to affect the future credit loan activities, the lender needs to pay attention to maintaining the credit information in ordinary times.