Does checking personal credit history on mobile phones have any adverse effects?

If there are too many queries, it will be affected by the bank or lending institution, which will be mistaken by the bank or lending institution for the user's recent lack of money, which will affect the loan.

It is very simple to check your personal credit on your mobile phone, and you only need two steps to check it.

1. Open the browser, search for the People's Bank of China Credit Information Center, verify the problem after registering and logging in, wait patiently for the 24-hour verification code to be issued, enter the verification code to query your own simplified version of the credit, only the simplified version can be queried.

2. If you find the first way troublesome, then the second way is simpler and more convenient. You can search on the mobile phone WeChat: Raindance Quick Check, query, enter the information to query your own credit data, the data comes from the national online loan platform and UnionPay Center, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, and other important data information.

If the number of queries is not too much, it will not have an impact, no more than twice a year.

If you want to check the credit of the central bank, you can't check it on your mobile phone, and you need to go to the local central bank outlet with your ID card to print a simplified version of the personal credit report.

If you want to check by mobile phone, then you can check Baixing credit, you only need to open WeChat and search: census letter. Click on the query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay center, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as light check data, sesame credit scores, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth.

If you don't check frequently, you can try to log in to the People's Bank of China Credit Information Center**(

Someone else's bad record is on the credit report, but the use of my mobile phone number will affect my own credit card application.

The adverse effects of credit history are as follows:

1. Affect loans, house purchases, car purchases, etc. Bad credit will affect personal loans, such as the amount of loans, loan interest rates, etc., and in serious cases, they will not be able to get loans, affecting the purchase of houses and cars;

2. Affect transportation, accommodation, etc. If you are included in the list of dishonest people and are restricted from high consumption, it will affect your personal transportation. For example, you can't take planes, trains, or high-end hotels.

3. Affect personal employment. Many large companies will conduct background checks on users before new employees join the company, and personal credit is also used as a reference factor for employers to choose.

4. Affect loved ones. For example, if one of the husband and wife has a bad credit record, the other person will be rejected if he wants to take out a loan to buy a car or a house.

Legal basis: Article 16 of the "Regulations on the Administration of the Credit Reporting Industry".

Article 17. Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.

Article 18. Where inquiries are made to personal information from credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon. However, there is an exception where the law provides that an inquiry may be made without consent.

Credit reporting establishments must not provide personal information in violation of the provisions of the preceding paragraph.

Individuals with bad credit records will have the following consequences:1Affect loans, buy a house, buy a car loan and apply for a credit card, etc., all of which are to check the credit report, and the bank may not give you a loan if the credit is bad.

Some business loans will also require you to pay higher interest. 2.Affecting work, some financial institutions, public institutions, and large enterprises have also begun to check credit reports, and those with bad personal credit records may not be admitted.

3.Affect daily life, such as not being able to take planes, trains, restricting accommodation in star-rated hotels and other high consumption, etcIf one of the spouses has a bad credit history, the other person's loan will also be denied.

1. Loan credit card.

Loan credit card is the most important and basic business in the financial business, if you can't do it, then when you lack money, go to borrow money? The interest rate of private loans is so high, can we only borrow usury? Therefore, many people think that it is okay to have a stain on the personal credit report, anyway, if you don't fine or deduct money, it has no impact on the individual, but in fact, the impact is very big!

2. Travel is blocked.

If the buyer is on the credit blacklist, vehicle travel will also be restricted, and the entry and exit of the highway toll booth will be temporarily detained. Can't buy a plane ticket; It is not possible to buy soft sleeper trains and second-class or higher cabins on ships; can't sit on the high-speed rail and the first-class seat of the bullet train; I can't buy a private car, and all of my travel by land, water, air, and high-speed travel is blocked.

3. Entry into large companies.

With the status of credit in people's lives gradually becoming higher, some banks and financial institutions, public institutions, large enterprises have also begun to inquire about credit reports, once found that long-term overdue, multiple unpaid, then it is likely to be brushed off in the interview, after all, this is able to reflect the integrity of the data, a person does not even have basic integrity, how can there be a great sense of responsibility?

Bad personal credit history will affect your travel, high-speed rail, airplanes and other means of transportation can not be taken, credit card use is difficult, and you may encounter difficulties in applying for jobs.