How to check your credit and how to check if there is a problem with your credit

Many people don't know how much the personal credit history online inquiry is, we can search for "personal credit history online inquiry". Then the first thing that marks the official website in the search results is the query platform.

After entering, it is time to check your personal credit history online**, and you need to register first. After logging in, I guess that I can search.

Personal credit history online inquiry process.

Registration: The first step to inquire is to register. The first step in registration is to fill in your personally identifiable information. ID card and name. Then the verification method if you don't know the digital certificate can choose the problem verification.

Problem verification is a record of the use of your card. If it's a credit card or a loan you've been using. I can remember it. Fill it out carefully according to the time!!

Set up your account and password after verification. Remember that passwords need to be both uppercase and lowercase!! Otherwise, you'll have to re-enter!!

After submitting the registration application, you need to carefully read the application result, as well as the credit report inquiry code. You also need to have your own audit results. Login activation is required within 10 days.

If you don't have authentication, you won't be able to log in.

If you haven't received a text message for a long time, you can check to see if there is a spam text message in it. Some software will automatically block such messages. Like mine is in spam text messages!!

Then it's time to log in. There will be an activation code when you log in. The activation code is sent on the phone! Enter and click on the Activate button!! Then you will be automatically redirected to log in!!

Then the left navigation is the personal credit inquiry! Click here for summary information! Then click to get the query results!! Then click on the Get Confirmation Code button. A text message will be received on your phone. Enter the confirmation code and click the submit button!!

Then you can see your personal credit history. The whole online inquiry is more troublesome to register!! It's easy!!

In the past, if you wanted to check the credit report of the central bank, you could only bring your identity document to the local central bank branch to print a simplified version of the personal credit report.

Since the central bank and 8 credit bureaus have carried out Baixing credit information, if you want to check your credit report, you can use a mobile phone.

In daily life, financial services such as small as no deposit and large as car loans and credit cards are provided by Baihang Credit.

When the user's Baihang credit has a negative record, in addition to the failure to apply for online loans and credit cards, even Huabei and borrowing will be negatively affected, and even Huabei and borrowing will be closed.

Therefore, long-term applicants for online loans should check their own credit information to prevent credit damage caused by blind application for online loans.

If you have determined that you have made several loans on the Internet, but want to know whether the records of these loans are on the credit system, in fact, you can directly search online, open WeChat, and search: Qitian Quick Check. Click to 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, whether there is an arbitration case, and other important data information.

You can view the number of applications of the user, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. Among them, users can use the online black index score to determine whether they are blacklisted users of online loans.

The score standard of the Internet black index is: 0-100 points, the lower the score, the better the credit. The hit risk reminder can help users better understand their own shortcomings and improve the approval rate of online lending platforms.

You can check the credit of Baixing.

When inquiring about Baihang Credit, you only need to check your own Internet black index score to know your own credit standards in the near future.

The standard score of the Internet black index is 0-100 points, the higher the score, the better the credit, when the score is less than 40 points, it belongs to the blacklist.

Once it becomes a blacklist, in addition to affecting the application for online loans, it will also affect the use rights and interests of financial services such as Huabei, borrowing, car loans, and credit cards.

Therefore, users who have applied for online loans for a long time or whose online loans are overdue should promptly check their online black index scores to prevent credit damage.

You only need to open WeChat and search: Baisan data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

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.

There are currently two more convenient channels for inquiring about your personal credit, that is, Baihang Credit and Central Bank Credit Inquiry.

There are many channels on the market to inquire about Baihang credit, but it is best to choose a more formal platform for inquiry, which can be found in WeChat: know the data early and make a query. Big data and credit information that can be obtained.

If you want to check the central bank credit, you need to bring your ID card to the local central bank branch to make the inquiry, or print the report at the self-service terminal of the branch.

Both of these can be used to check their creditworthiness.

There are currently two ways to check a person's credit history.

1. Central bank credit report. You need to bring your ID card to the local central bank outlets to inquire, and the credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past 5 years.

Click to query, enter the information to query their own credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist, online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate and other important data information. "

You can check whether there is any arrears.

Check whether there is any problem with your credit and pass the personal credit report.

to view. The operation process is as follows:

1. Unlock and turn on your phone, and click the Bank of China icon to enter.

2. Enter the homepage of Bank of China and click [My] at the bottom.

3. Enter My Page and click [One-click Query] below the credit inquiry.

4. Enter the credit inquiry page and click [Apply].

Operating environment: brand model: iphone13

Extended Materials] Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon request. Personal credit report.

It is the personal credit history history that the credit reporting establishments lawfully collect, lawfully process and sort out the information they collect, and finally provide it to lawful information inquirers in accordance with law.

As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories.

In May 2019, the new version of personal credit information was officially launched, and the duration and granularity of credit information will be further improved.

On September 30, 2021, the Measures for the Administration of Credit Investigation Business were issued to the People's Bank of China on September 17, 2021.

It was deliberated and adopted at the 9th Executive Meeting in 2021, and is hereby promulgated to take effect on January 1, 2022.

At present, it is mainly used for various consumer credit businesses of banks.

With the social credit system.

As credit reports continue to improve, credit reports will be more widely used in various areas such as business credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

May affect personal credit risk.

The main factors of the score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid according to the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc.

Article 25: Where information subjects feel that there are errors or omissions in the information collected, stored, or provided by credit reporting establishments, they have the right to raise objections to the credit reporting establishments or information providers and request corrections.

Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct verification and handling within 20 days of receiving the objections, and reply to the objectors in writing on the outcome.

Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information provider or credit reporting establishment shall make corrections; where it is confirmed that there are no errors or omissions, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

There are two ways to query:

1. Bring your identity to the local People's Bank of China for processing, and individuals can inquire and print personal credit reports in person or by entrusting a ** person.

1. Where individuals can go to the inquiry point in person to inquire about the credit report, they should provide the original of their valid identity documents for inspection, and at the same time fill in the "Application Form for Personal Credit Report Personal Inquiries", and keep a copy of the valid identity documents for future reference;

2. If you entrust another person to inquire about the personal credit report at the inquiry point, the person Xiaobi shall provide the original valid identity documents of the client and the person, and the notarization certificate of authorization for inspection, and fill in the "Application Form for Inquiry of the Person in the Personal Credit Report", and keep a copy of the valid ID card of the client and the person, and the original certificate of authorization notarization for future reference.

2. Make inquiries through the official website of the Chinese People's Credit Information Center.

1. Open the official website of credit reporting and select "Internet Personal Credit Information Service Platform";

2. Select Start Now;

3. Register an account and log in to the personal credit inquiry system;

4. Log in successfully, select "Information Service" and "Obtain Credit Information" in order;

5. Enter the query verification code of the pre-application;

6. If the request for credit inquiry is successfully submitted, you can view the personal credit information on the credit report.

1. Bring your ID card to the local branch of the People's Bank of China to view, generally within 2 working days to get the results, netizens can choose to go to the People's Bank of China to collect the results or the bank will mail the results home;

2. In order to better facilitate netizens to check their personal credit records, the credit information center has issued a defense to set up a comprehensive service platform for personal credit information on Internet technology, and netizens can log in to the official credit information center and check their credit records on the network after logging in and registering.

Credit record refers to the credit rating agency's information content that can distinguish the personal credit of economic development actors with the help of a certain method or social development, and after making comments according to certain norms and index values, the personal credit of economic development actors is indicated with a certain mark or text. A personal credit report is an objective record of a person's credit information. All the online payment information of the individual is recorded, which is the main reference for the credit line holder to quickly and objectively judge whether the credit lender can provide personal credit.

The method of checking personal credit is as follows:

1. Click Bank of China on your mobile desktop.

2. Enter Bank of China and click Life.

3. Click Government Services.

Fourth, enter the government service page and click on Lingru Credit Inquiry.

5. Enter the credit inquiry page and click Apply.

6. Enter the credit inquiry application page, check the system's default personal information, and click the small box in front of my agreement to sign the "Credit Inquiry Authorization Inquiry Agreement".

7. Click Next.

8. Go to the Face Authentication page and click the small box in front of the "I have carefully read the Face Authorization Agreement".

9. Click to start face recognition Hengyou.

10. Enter the confirmation letter page and click Confirm.

Ten. 1. At this time, we can see the application success prompt.

Ten. 2. Finally, we wait to refresh the credit inquiry page, and the results can be seen within 24 hours.

There are two ways for individuals to check their credit reports. First, when applying for a credit card or loan from a commercial bank, the bank will inquire about the basic database of personal credit information, and the individual will take his or her credit report to look at it. Second, you can inquire with the credit investigation management departments of the People's Bank of China in various places.

In addition to the person, only commercial banks can directly view the user's credit report when handling loans, credit cards and other business and post-loan management, and the commercial bank must also obtain the user's written authorization in advance.

The People's Bank of China announced that in order to ensure the security of personal information, individuals must undergo strict identity verification to check their credit reports through the Internet. Only authenticated individuals can register as query users. Currently, there are two verification methods, digital certificates and privacy questions, and individuals can choose one of them to authenticate.

After the individual registration application is submitted, the system will send the review result and verification code to the applicant's mobile phone after 24 hours. If approved, the applicant needs to log in to the system within 10 days to activate, otherwise the registration information will be invalid.