How to check your credit report is there a problem

Check the official website of the central bank's credit information system.

1. Inquire about personal credit first open the search engine, search for the People's Bank of China Credit Information Center (be sure to click on the official website of the certification to prevent piracy ** stealing personal information), click on the Internet personal credit information service platform, and then click to start immediately, if there is a direct login, the first inquiry needs to register an account, click on the new user registration, and then enter the name, ID number, verification code, you can log in after registration.

2. After logging in, click to apply for credit information, and then select the verification method, there are three options, namely bank card verification, digital certificate verification, question verification, choose a verification method that suits you, and then select the information you want to query, which are also three, which are personal credit information tips, personal credit information summary, and personal credit report, these three options can be selected all, and then click Next. Go to the local People's Bank office to queue up for inquiry To be precise, the location is: the local People's Bank of China's credit management department for inquiry.

At this time, some people do not understand, what kind of bank is this People's Bank of China - this bank is a ** institution, which is available in every city. When you go to the office of the credit management department of the local People's Bank of China, there must be a special, relatively large, hall-like place for you to make inquiries conveniently.

3. The People's Bank of China inquires at the points set up by commercial banks.

In order to facilitate credit inquiry, the People's Bank of China has set up special inquiry machines in many commercial banks, which can inquire and print reports. It is also very convenient to check credit in this way. It is more convenient to print the letter report or to print it on paper, and the general bank requires paper for reference.

At the same time, we remind everyone that the credit card bill must be repaid on time and cannot be overdue. In addition, if the inquiry of the personal credit report is prepared for the loan, then before the inquiry, the arrears under the name should be repaid first, and the loan may be successful.

Extended information: In the personal credit report, the user's loan information will be recorded, and you can view your "number of credit card accounts" and credit details. Credit reports are generally recorded on a monthly basis.

n" represents normal repayment, "* represents no repayment business, overdue for 30 days, counted as "1", 60 days as "2", 90 days as "3", up to more than 180 days, counted as "7", after which the number will not be increased, but will always be displayed as "7". The content of the credit report mainly includes basic personal information, information summary, credit transaction information details, public information details, personal statements, objection marking, query records, as long as you grasp a few important information when viewing the credit report, check whether there are errors, omissions, abnormalities, and check whether your card, loan application, and payment status are consistent.

Generally, the problems of personal credit investigation are whether there are overdue loans, too many loan applications, too many inquiries, and so on. At present, there are three ways to inquire about personal credit information. You can check how many credit cards you have, how much you have borrowed, the number of inquiries from financial institutions, whether they are overdue, etc.

Next, I will explain to you from the two points of inquiry method and whether there is a problem with credit reporting.

1. Inquiry method.

Currently, there are three ways to make a query. The first way is to go to the offline institutions of the People's Bank of China (credit information centers) or bank outlets with credit inquiry machines. All you need to do is bring your ID card.

The second is to register relevant information through the official website of the Credit Information Center of the People's Bank of China and apply online. The day after applying, you can use the withdrawal code sent by your mobile phone**. The third way is to check through the app of commercial banks, but there are currently fewer banks that provide this function.

The first one is a paper version that is printed for free, and it is more detailed than the other two versions, so the first one is recommended first.

Second, how do you see if there is a problem with credit reporting?

From the bank to see if there is any problem with your credit information, mainly in the following aspects:

1) Whether it is overdue.

The credit report will clearly show whether you are overdue, how many periods you are overdue, and how much you are overdue. If a lending bank sees that your credit card is overdue for only a day or two, and the amount is only a few dozen dollars, it will open the net. If someone else is overdue for a long time and the amount is large, they will basically be on the bank's blacklist.

Only after the five-year record has been erased can they hope to apply for a loan from a banking institution again.

2) Whether you have applied for too many loans.

When the bank approves the loan, it will calculate your amount based on the current loan shown in the credit report. If you have more loans on your credit report than you have provided for your assets, you may also be rejected by the bank.

3) Check whether there are many records.

Some people often go online to apply for online loans, credit cards, etc. , and regardless of whether it is approved or not, it will leave a query record on the credit report, and the bank also values this record. Banks will assume that they are applying for this type of loan in large quantities and will reject your loan request because they think you are short of money.

In short, unless you are particularly short of money, it is recommended not to apply for credit cards and online loans frequently in a short period of time. In addition, maintaining a good repayment record is also the right way to maintain your good credit information.

Just go to the credit information hall to check

The credit report is an objective record of credit history recorded by the credit information center of the central bank. If you have a good track record, you can get a loan quickly and possibly enjoy a low interest rate; The record is not good, the loan may not be approved, the interest rate is raised, in short, the credit report is equivalent to our "economic identity card", which is very important.

If you want to know whether your credit report can be used for a loan in the bank, you mainly need to see whether the following points meet the bank's credit requirements:

1. Look at the basic personal information.

When we get a personal credit report, the first thing we need to look at is our personal information: name, ID number, marital status, work situation and address, etc., and whether the credit report matches the borrower, which will affect the loan application.

2. Check whether the credit report is overdue.

If the credit report has been in the past 2 years, there are "even 3 tired 6.""In this case, it is very likely that you will not be able to apply for a loan, of course, it also depends on the specific type of loan, whether it is a mortgage loan or a credit loan, and a small number of financial institutions can also apply for a loan, which depends on the actual situation of the lender.

Answer: Users can bring the original and copy of their ID card to the local branch of the People's Bank of China to check their credit report, and then they can know whether there is any problem with their credit information. The record of each credit investigation will be retained, including the borrower's active inquiry, credit institution loan approval inquiry, credit card approval inquiry, lending institution post-loan management inquiry, relevant department call inquiry, etc., it is recommended not to authorize too many institutions to inquire, which will affect the loan approval.

Send me a picture and I'll look at the credit report.

How to check personal credit on the mobile phone, it is not recommended that you check it often.

1. As the saying goes, if you want others to do well, you must first do it yourself. Before the company screens, bring the inquiry method of the personal credit report. Inquiry platform: Credit Information Center of the People's Bank of China.

After entering the query portal, click "Start Now" on the right.

Sign up After logging in, select your verification method and credit information.

Follow the prompts to next and submit. After applying, a personal credit report will be available the next day. If you don't know much about credit reporting, it is recommended to read the PDF file "Credit Report Strategy" in this link, which explains the basics of credit reporting in more detail.

Of course, in addition to the PBOC system, many banks' own online platforms can also carry out their own credit report pulling.

You send it, thank you.

Question: Can't you see?

Hello, these screenshots you provide can only show that you have applied for more business in the short term, but there has not been a problem of overdue default.

4. On the "All" page, click on the "Personal Credit Report" icon according to the guidelines.

5. Enter personal information on the "Personal Credit Report" page according to the instructions, and then click on the "Free Application Query" column.

7. You can view the details of the "personal credit report" you have applied for.

Do you have any questions about checking your personal credit at the moment? You only need to bring your ID card to your local People's Bank of China branch to print personal credit and see if there is a record after the deadline? If there are no overdue records and the number of queries is relatively small, it is fine.

If you haven't taken out a loan or a credit card. This situation is not problematic. If there is an overdue case, more than 30 days is considered bad.

Problems with credit reporting are reflected in the following aspects:

1. No credit record: Although there are many overdue records on the credit report, which is a devastating blow to credit, but if the loan applicant has not handled a loan from the bank or other lending institutions before, and belongs to a pure white household, it is actually difficult to get a loan, after all, there is no reference material for bank approval, and it is easy to reject you when encountering a bank with strict risk control, in this case, the lending institution will either refuse to lend, or only approve a smaller amount of loans.

2. Even three tired six: "Even three tired six.""It is a jargon in the loan industry that says that there is a credit history in the credit report of the loan applicant that has been overdue for three consecutive months or six times in total. Once there is such a situation on the credit report, it is a serious breach of contract, which exposes that the loan applicant may be lacking in repayment ability, or have poor credit awareness, which is equivalent to bad credit.

3. Inquiry record: The credit report will leave the inquiry record of the credit institution, if a number of lending institutions have made inquiries in the same period of time, and have not successfully made the next payment, it means that the borrower's qualifications and credit have problems, of course, the credit report is frequently queried to affect the loan application, only in the case of frequent inquiry by the lending institution, if it is their own frequent inquiry of their own credit report, there is no problem.

If you don't know your credit problem, you just need to search: quick card test. Click on the query, enter the information to query their own Baixing credit data, find this WeChat applet, the data comes from the national online loan platform and UnionPay, 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, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

If the online loan is not repaid, it will lead to a bad personal credit record, which will affect your future loan application, and after the online loan institution is overdue, the staff of the institution will also collect on you, which will affect your personal life through ** and text messages. If the amount owed is large and the arrears are serious, the platform can resolve it through legal means. At the same time, during the overdue period, there will be a high penalty interest, which will cause you a burden.

1. How to solve the problem if the online loan is not repaid?

If you are really unable to repay your online loan, you can contact the platform staff in advance, express your willingness to repay, and promise the repayment date, negotiate the best repayment method with the other party, and do not directly refuse to repay.

2. What will be the impact on individuals if they do not repay the online loan?

Formal online lending institutions are connected to the credit information system, and when submitting a loan application, the user will also sign a loan contract with the platform, and when the user fails to repay the loan within the time limit, it will be reported to the credit information system, and if the user has serious overdue behavior, the platform can solve it through legal channels. You can check your current credit situation in "Check this data" and find this WeChat mini program. Get rid of bad loan application habits and cover untrustworthy behaviors with new good payment records, so that when everyone encounters an economic crisis again, they will not have no way out and hit a wall again and again.

3. Collection will affect the lives of individuals and their families.

If the user refuses to answer, or has a bad attitude towards the collector, the collector will contact the user's colleagues or family members, which will seriously affect the lives of others.

To sum up, if you don't repay your online loan, you will actually have the greatest impact on yourself, because there will be a bad record in your personal credit report, which will affect your personal loan.

Therefore, when using a loan or credit card, you must repay it on time, and don't easily overdue, otherwise if you are overdue on the credit report, there will be a credit stain, and it will take five years to be able to "wash white" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.

You can bring your ID card to the People's Bank of China to check, and if you have an overdue credit card, whether you have an Internet platform online loan, if you don't, there will be no problem.