How to read the credit report of the People s Bank of China, how to view the personal credit report

You can check it online, and the query method is as follows: 1Go 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. (Cell phone.)"Cash loans", ready to meet your consumption needs! ）

The People's Bank of China (PBoC) registers an account for personal credit inquiry.

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 Query. Enter the information to query your own credit data, which comes from more than 2,000 online loan platforms and UnionPay centers across the country, and you can query your own big data and credit status.

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.

3. Look at the number of credit inquiries

In the query record in the personal credit report, you will clearly see the number of credit inquiry inquiries, the reason for the inquiry and the inquiry agency. If the borrower has made too many credit inquiries in the past six months, the bank will think that the borrower is short of money in the near future and will question the borrower's ability to repay, which may lead to the rejection of the loan.

4. Look at the debt

The personal credit report will clearly record the details of each of our credit cards and loans, the amount of borrowing, the amount of debt, and the bank will comprehensively judge your loan qualification and loanable amount through your debt status and your income status.

With the maturity of China's national credit system, personal credit has now been integrated into all aspects of life and work. How to check the personal credit report How to print the personal credit report?

Seconds understand how to check personal credit in the debt micro-classroom.

Generally, if the bank inquires about the credit, the most is the central bank's credit, but the number of bank inquiries is better not too much, because it will leave a record. If it is a credit loan, you need to bring your identity documents to the local People's Bank of China branch to inquire, or you can check on the official website of the People's Bank of China Credit Information Center. If you are inquiring about online loans, you can check your own loan records and online black index scores in the past few years on Alipay and WeChat.

Extended information: 1, 1, offline printing: you can go to the local People's Bank of China branch to inquire and print, at present, many areas have launched a personal credit report self-service inquiry machine, using face recognition technology and ID card, after successful comparison into the mobile phone number, you can print a simple version or detailed version of the personal report, very convenient.

It should be noted that the printing of the credit report must be applied for in person, and cannot be printed on behalf of the applicant.

2. Online printing: log in to the official website of the Credit Information Center of the People's Bank of China - click to start now - new user registration - select bank card Question Digital certificate for identity verification - select the credit report (summary, simple, complete) after passing - wait for the identity verification code after submission - enter the identity verification code to view the credit report - select print on the credit report web page.

At present, China's credit reporting system is divided into two types. One is the central bank's credit information, and the other is the central bank's leading credit investigation. To inquire about the credit of the central bank, you only need to bring your ID card to the local central bank outlets, and you can print the credit report by yourself.

It is simpler to query Baixing Credit, and Baixing Credit is a private credit reporting agency, so the query data will be more complete and accurate.

Second, frequently applying for online loans will lead to their credit information, in this case, it will reduce their score in the bank scoring system, if you want to apply for a mortgage or credit card, it will be difficult to apply for it again. Even if there is no overdue, such a bad record will have a great impact on your credit report.

New users who inquire about personal credit through the People's Bank of China Credit Information Center first need to register. The specific steps are as follows:

Step 1: Log in to the Credit Information Center of the People's Bank of China.

Step 3: Click "New User Registration" on the pop-up page;

Step 5 <>: Fill in the user information as required, fill in the mobile phone number, click "Get Dynamic Code", click "Submit" and complete the registration after filling in the dynamic code correctly.

When logging in, you only need to enter the user name, password, and verification code on the user login interface to log in and apply for credit inquiry.

I bring my ID card to the hall of the local People's Bank of China, and there is a special automatic credit inquiry machine, so you can check at any time.

Call Bank of China service**, pass the prompt tone, enter the ID card verification, **bank password on the line. There is a chime inside.

The general operation is: **Dial 95566, press 1, Chinese service, press 9, manual service.

Customer service can be basically divided into manual customer service and electronic customer service, of which manual customer service can be subdivided into three categories: text customer service, ** customer service and voice customer service. Text Qiaoqi customer service refers to customer service mainly in the form of typing chat; **Customer service refers to customer service mainly in the form of voice**; Voice customer service refers to customer service that is mainly carried out in the form of mobile**.

Based on the rapid development of Tencent WeChat, WeChat customer service, as a new customer service method, has long appeared in the customer service market. Relying on the exquisite technical conditions of WeChat, WeChat customer service integrates all the functions of text customer service, first-class customer service and voice customer service, which has incomparable advantages, so it is well received by the market.