What are the methods for inquiring about personal credit records?

The most commonly used in life are two kinds of credit reports, one is the central bank credit report, and the other is the Baixing credit.

The credit report will mainly display the user's loan records, credit card consumption records, consumer finance use records, loan approval records, post-loan management records, loan or credit card overdue records and other data contents in the past five years.

Baihang Credit will record the user's application records in the past 12 months, overdue records, Internet black index scores, court judgment information, dishonest person information, and will also include more than 10 kinds of data content such as the user's online loan and credit card credit estimate.

You only need to open WeChat and search: Muli 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.

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 Muli 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.

The method of checking personal credit records is as follows:

1. Network inquiry:

Bring your valid identity documents (ID card, military ID, soldier ID, passport, Mainland Travel Permit for Hong Kong and Macao Residents, Mainland Travel Permit for Taiwan Compatriots, Residence Permit for Foreigners, etc.) to the branches of the People's Bank of China for inquiries;

At present, the Credit Information Center of the People's Bank of China only authorizes the mobile banking APP clients of some national commercial banks to provide personal credit report inquiry services, and now supports the banks of Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and China Merchants Bank.

You can log on to the official website of the "People's Bank of China Credit Information Center" - "Internet Personal Credit Information Service Platform" - try it out immediately, you can enter the registration login page, and you can complete the identity verification after logging in;

4. SMS:

Must be a customer who has registered with the credit bureau and has a medium or high security level, SMS"CX Registered Username", sent to"106980008899"The mobile phone will receive a credit information prompt, but the content of the text message only prompts whether your credit report is overdue within 5 years.

Tips: The above is for reference only, please refer to the official People's Bank of China credit information center for the specific process, if you have any questions, you can call People's Bank of China credit information customer service**: 4008108866 for detailed consultation.

Online personal credit inquiry is now very convenient. (1) Basic personal information and personal identity information. Personally identifiable information refers to information that can reflect an individual's identity and facilitate the identification and contact of an individual.

The main provider and authority of this part of the indicator are the Public Security Bureau, which is the most important basic information for individuals. This part includes name, gender, ethnicity, date of birth, place of birth, household registration information, address information, communication information, marital status, spouse information, educational information, certificate information and other information. (2) Credit card transaction informationAs the second part of the credit index system, credit transaction information is an important information that records personal economic behavior and reflects an individual's ability and willingness to repay debts.

According to the Interim Measures for the Management of the Basic Database of Personal Credit Credit Perception promulgated by the People's Bank of China, personal credit transaction information refers to the transaction records provided by commercial banks in the credit activities of natural persons such as personal loans and credit cards. It covers credit card and loan details, special transactions, personal settlement account information, inquiry records, etc. Credit card information.

Credit card information includes card type, guarantee method, currency, credit limit on account opening date, shared credit line, maximum debt amount, overdraft balance, repayment amount due this month, actual repayment amount this month, latest actual repayment date, current overdue period, current overdue amount, and monthly repayment status record of credit card in the last 24 months. Loan Information. Loan information includes loan type, guarantee method, proportion, account status, repayment frequency, number of repayment months, loan disbursement date, loan maturity date, loan contract amount, monthly repayment status record and other items.

At present, the information queried by the personal credit reporting system is mainly commercial banks and other financial institutions, and the information included includes personal basic information, loans in financial institutions, guarantees and other credit information. With the continuous development and improvement of the information system, the People's Bank of China has intensified its efforts to share and coordinate information with relevant departments. In addition to the credit information of individuals, the personal credit reporting system will also include basic personal identity information, information on compulsory enforcement of civil cases, information on payment of various social security fees and housing provident fund, information on announced tax arrears, information on payment of public utility fees such as telecommunications, personal education information, and basic occupational information of special professional practitioners who have an impact on the public interest, such as accounting (lawyer) firms and certified public accountants (lawyers).

How to check personal bank credit.

There are two correct ways to inquire about personal credit: official website inquiry and bank inquiry

1. Official website inquiry

Bring your ID card or the principal's ID card and power of attorney to the local People's Bank of China credit inquiry window or the self-service credit inquiry machine of the business outlets of some banks to print, and you can see the personal credit information.

3. SMS inquiry

In addition to the above two methods, users who have registered an account at the credit information center and have a security level of medium or above can also text messages"CX Registered Username", sent to"106980008899"After the SMS is successfully sent, you will receive the message after 24 hours.

Credit information records an individual's past credit behaviors, which will affect an individual's future economic activities, and these behaviors are reflected in the personal credit report, which is often referred to as "credit history".

The Importance of Personal Credit Reporting:

If your credit report says that you have borrowed money and not repaid it, the bank must be cautious when considering whether to lend you a loan. It is highly likely that the bank will ask you to provide collateral, guarantee, or reduce the loan amount, or increase the interest rate on the loan, or refuse to give you a loan. If your credit report shows that you have already borrowed a lot of money, the bank may refuse to lend you again for fear that you are too indebted to take on it.

This reminds you to cherish your credit history and consciously accumulate your credit wealth.

Another great benefit of credit reporting is that it helps you get fairer access to credit. What the credit information center provides to the bank is an objective record of your credit history, which allows the facts to speak, reduces the impact of the loan officer's subjective feelings, personal emotions and other factors on the results of your loan credit card application, and allows you to get a fairer credit opportunity.

The way to inquire about personal credit can generally be done directly on the Internet, or you can go to the local area, you can check the credit record in the machine in the bank hall, and use the ID card to print the personal credit report.

There are many ways to check personal credit, you can go to the People's Bank of China** for inquiry, or you can go to the bank where you opened an account for inquiry.

Go to the window of the credit information office of the People's Bank of China to make inquiries, or make inquiries at the window of a bank that is authorized to inquire about credit information.

Bring your ID card to Bank of China to check your personal credit report.

How to check personal credit?

There are five types of query methods:

1. Log on to the official website of the Credit Information Center of the People's Bank of China for inquiries

A mobile payment software launched by China UnionPay, but the query pilot service is only available in eight cities: Shanghai, Guangzhou, Shenzhen, Hangzhou, Chongqing, Nanning, Changsha and Fuzhou.

4. Offline operation of the self-service inquiry machine of the pilot commercial bank

Some of the above-mentioned commercial banks have business outlets that provide a "personal credit self-service inquiry machine", click on the personal credit report on the self-service inquiry machine, put the original ID card, and follow the page prompts to inquire and print out.

5. Go to the local People's Bank of China branches, sub-branches and business management departments for inquiries

Generally, the commonly used channels for inquiring about personal credit are; Central bank credit inquiry, Baixing credit inquiry.

Central bank credit inquiry; You can directly bring a valid personal credit to the central bank credit information center outlets for inquiry. The report is generally issued in a short version of the report, and the content of the report generally shows the loan records of the past 5 years, as well as negative information and other data, and can be printed if time permits.

Baixing credit is relatively much simpler, you can do it with a mobile phone, and Baixing credit is a credit agency commonly used by the central bank in the private sector, both authority and accuracy are relatively guaranteed. And the report is more diverse and the content is more detailed, which is what we want. And in practical application, it is also relatively extensive, from small to free deposit, large to car loan, housing loan, credit card has been financial services, these are the data information provided by Baihang Credit.

If the user's online loan is overdue, or the credit score of Baihang Credit is reduced due to too many applications, it will be difficult to apply for financial services, etc., and in serious cases, it will even lead to the closure of Huabei and Borrow. Therefore, when applying for an online loan for a long time, you should check your credit report in time to prevent your credit from being lost.

If you have determined that you have taken out a few loans on the Internet, but you are not sure whether your loan record is on the credit report, you can get a personal credit report in a small program such as Dumb Data and other small programs to check your credit situation and ensure that your credit is not stained.

Because, in today's modern times, the country is building an all-round credit network without dead ends, connecting the society, information sharing, whether it is personal credit or personal credit report, will be recorded in it, as a strong evidence, so we must protect personal credit, because in the future is the era of credit in the world, good credit will be our greatest asset and wealth.

No matter what channel we inquire through, it is nothing more than wanting to know the credit situation.

Method. 1. Go to the People's Bank of China for inquiries.

The specific method is to bring your ID card to the local People's Bank of China, fill in an application form for inquiry and submit it, and after careful review and approval, you can check and print a credit record of yourself. It is also through this method, and everyone should also pay attention to the fact that the People's Bank of China does not work on weekends, and it cannot be queried on weekends.

Method. 2. Online inquiry.

For cities that have opened the function of querying on the Internet, you can directly make a query online. The online query also needs to be authenticated by the mobile phone before it can be queried, and the online query can also be queried on weekends.

Method. 3. Go to the bank to inquire.

If you are in a hurry to take out a loan, you can also ask the bank staff to check your personal credit. The bank will generally be able to see your personal credit situation, and you can quickly understand your personal credit through this situation.

According to the regulations on the management of the credit reporting industry, individuals also have the right to check your credit report twice a year for free. In order to understand their own credit status, if there is a problem, it needs to be found in time and corrected in time.

Therefore, the self-examination of the credit report should generally be and necessary, but it should also be moderate! The best one is to check it once every six months, and it happens to be an opportunity to use up the free query twice a year.

1. Will personal credit reporting untrustworthiness affect children?

In a sense, having a bad personal credit record will not affect the children, because the credit blacklist is different from the judgment defaulter, and there are no compulsory measures, but only affect the borrower's personal credit business, and have nothing to do with the children's families. However, if the bank and financial institution sue you, then the child can not attend a high-cost private school, and the parents are "laid", for some schools with strict political examination before infiltration, the child's qualification examination is likely to fail, and more seriously it will affect joining the army, applying for military schools, participating in civil servants, public institutions, state-owned enterprise examinations, etc.

All in all, if it is just a credit blacklist, it will have no impact on children, at most it will be an impact on individual house purchases, card applications, etc., and do not rise to the level of dishonest people, then the impact will be greater.

Article 1 of the Several Provisions of the Supreme People's Court on the Publication of Information on the List of Judgment Defaulters.

In any of the following circumstances, where the person subject to enforcement has the ability to perform but does not perform the obligations set forth in the effective legal documents, the people's court shall include them in the list of judgment defaulters and give them credit punishments in accordance with law:

1) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

2) Evading enforcement by means such as sham litigation or arbitration, or concealment or transfer of assets;

3) Violating the property reporting system;

4) Violating orders restricting high spending;

5) The person subject to enforcement refuses to perform on the enforcement settlement agreement without a legitimate reason;

6) Other persons who have the ability to perform but refuse to perform the obligations set forth in effective legal documents.