How to check whether there is a problem with your credit report

According to the Regulations on the Administration of the Credit Reporting Industry, individuals have the right to obtain their credit reports free of charge twice a year. You can check your personal credit report through the personal credit information service platform of the People's Bank of China Credit Information Center. Official website of the Credit Information Center:

How to check whether there is a problem with personal credit.

Hello, there are two opportunities to check credit information for free every year, which can be directly in the "Credit Information Center" of the People's Bank of China, and you can check by registering an account.

Question: If there is a problem with the credit report, what is the manifestation?

Question: Does the lack of comprehensive score have anything to do with credit reporting?

Question: The same is true for credit cards.

To apply for a credit card, you need to maintain a credit report for 6 to 9 months without being overdue, which is the most basic condition.

Question: If you apply for a credit card and the overall score of the reply is insufficient, please maintain good credit, does this have anything to do with credit reporting?

Question, I'm afraid that there is a problem with the credit report, don't you want to go to the People's Bank of China to check?

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.

If you want to know whether there is a problem with your credit report, you mainly need to see whether the following information on the credit report meets the bank's requirements:

1. Whether there is an overdue record on the credit report. First of all, check whether there is a record of overdue repayment on the credit report, if there is an overdue record of "3 and 6" in the past 2 years on the credit report, then it is basically impossible to apply for a loan in the bank.

Please click to enter a description (up to 18 words).

2. The number of inquiries on credit reporting. In the inquiry record of personal credit investigation, you can clearly see the number of credit inquiries, as well as the reason for the inquiry and the inquiry agency. If there are too many inquiries about loan approval in the past six months, the bank or lending institution will feel that the user is short of money in the near future, so as to question the user's ability to repay, and if the user cannot prove that he has sufficient repayment ability, then the loan application at the bank is likely to be rejected.

3. Credit reporting debt ratio. A high personal debt ratio on the credit report will also affect the approval of the loan, including the unpaid loan as a guarantee for others, which will also be included in the user's personal debt ratio.

People's Bank of China Credit Information Center, Baihang Credit, CreditEase Credit, Sesame Credit, etc. You will need to register and provide your personal information on ** and then verify your identity. If you find any errors or questions during the enquiry, you can contact the credit bureau and provide relevant supporting documents to apply for the error to be corrected.

In addition to checking the official ** of the credit bureau, you can also check through the inquiry platform set up by the Credit Information Center of the People's Bank of China, namely "Credit China", which is the official inquiry platform operated by the Credit Information Center of the People's Bank of China, and you need to register and verify your identity on the platform. If you find that you have problems with your credit history or negative information, you should take prompt action to resolve them, such as contacting the relevant agency or lawyer to help you deal with them. At the same time, you can also improve your credit score by adopting positive credit behaviors, such as making payments on time and avoiding overdue.

To check if there is a problem with your credit report, you can follow these steps: In China, you can check your personal credit report through the following credit bureaus: People's Bank of China Credit Information Center, Baihang Credit, CreditCredit, Sesame Credit, etc.

You will need to register and provide your personal information on ** and then verify your identity. If you find any errors or questions during the enquiry, you can contact the credit bureau and provide relevant supporting documents to apply for the error to be corrected. In addition to checking the official ** of the credit bureau, you can also check through the inquiry platform set up by the Credit Information Center of the People's Bank of China, namely "Credit China", which is the official inquiry platform operated by the Credit Information Center of the People's Bank of China, and you need to register and verify your identity on the platform.

If you find that you have problems with your credit history or negative information, you should take prompt action to resolve them, such as contacting the relevant agency or lawyer to help you deal with them. At the same time, you can also take positive credit behaviors to improve your credit score, such as making repayments on time and avoiding overdue.

Please note that when you check your credit report, you need to provide sensitive personal information, such as ID number, etc., so be sure to protect the security of your personal information.

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.

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.

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

There are two ways to check your personal credit report:

The first way to change Huizi is on-site inquiry: bring your original valid ID card + copy of ID card + "Personal Credit Report Personal Inquiry Application Form" to the local central bank bank branches and credit investigation sub-centers for inquiry. According to the recent policy, individuals go to the counter to check their credit reports.

The second is online inquiry: log in to the central bank's personal credit information service platform to register first, and then fill in the personal real name and ID card number and other information. Generally, you will receive a short message from the system on the next day, and you can check it by logging in to the personal credit platform again at this time.

Credit reports are divided into personal credit reports and enterprise credit reports, which are records of personal credit information issued by the Credit Information Center of the People's Bank of China. The personal credit report is an objective record of credit history, which records the repayment of personal debts, the verification of contract performance, compliance with laws and regulations, etc.

A personal credit report is a document issued by the Credit Information Center of the People's Bank of China that records personal credit information, which can quickly help financial institutions understand the credit status of individuals. At the same time, good personal credit also plays an important role in many areas.