How to check the personal credit inquiry of the credit information center

1. Open the Credit Information Center of the People's Bank of China.

The official personal credit information service platform**.

2. Fill in your relevant information and register.

3. Fill in the password to log in.

4. Click "Information Service" and click "Apply for Credit Information". 5. Select the verification method, select the credit information, and click Next.

After an hour, log in to the official website of the credit information center again to inquire.

Operating environment: People's Bank of China; Browser.

Extended Information: Impact of Credit Reporting Overdue:

1. You can no longer apply for interest-free loans subsidized by ** or bank subsidies, and interest-bearing loans may also be rejected by the bank when applying. Because of the stain on the credit report, the bank will not issue the loan for risk control considerations.

2. If the credit investigation is overdue, the huge amount will also constitute a scope of behavior because of "malicious overdraft".

3. If the credit investigation is overdue for too long, it will be blacklisted by the lending institution.

They will also be sued in court once the court enforces it.

It will affect the assets of the individual.

4. If the situation is serious, it will also be restricted from high consumption.

and how to get around.

Compared to the central bank's personal credit report.

The atmosphere of personal credit records is more extensive, and the institutions that issue them are also more diverse, such as Qitian Quick Check and Sesame Credit.

Grading is a part of personal credit history, and on the whole, it is more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report. Nowadays, there are many people who will choose to borrow online when they have the need for funds, although the threshold of online loans is low, the procedures are simple, but the interest rate is higher, and there may be a lot of "sequelae" if you are not careful, there are many people who are on the online loan blacklist because of the overdue loan on the online loan platform, we all know that once you become a blacklist user, it is very difficult to apply for a loan in the future, At present, there are three main ways to query the blacklist of online loans:

1. Central Bank Inquiry You can go directly to the credit information hall of the People's Bank of China for inquiry, or through the personal credit information system on the People's Bank of China website.

For inquiries, although many online lending platforms have not yet accessed the central bank's credit information, the online lending platform will also refer to the central bank's personal credit report when reviewing the user's personal information.

2. Inquiries of online credit reporting agencies For example, third-party credit reporting agencies with personal credit reporting licenses, such as Sesame Credit, China Chengxin Credit, Tencent Credit, Pengyuan Credit, etc., many online lending platforms are not central bank credit, but they are all connected to the network credit. Whether it is the central bank credit system.

Or the online credit system, the current retention time of bad records is 5 years, so once the borrower is overdue on the online loan blacklist, then the bad record information will be automatically eliminated after 5 years from the user's repayment date. However, if the borrower can actively repay the loan after the deadline, then the online blacklist information does not have to wait until 5 years to be eliminated.

<> "5. You can apply for a personal credit report after logging in.

1. Open the official ** of the People's Bank of China Credit Information Center's Personal Credit Information Service Platform.

2. Fill in your relevant information and register.

3. Fill in the password to log in.

4. Click "Information Service" and click "Apply for Credit Information".

5. Select the verification method, select the credit information, and click Next.

After an hour, log in to the official website of the credit information center again to inquire.

Extended Information: How to Check the Big Data Report of Online Loans?

1. Through the online loan big data credit report query system, such as Qinggou Quick Check and Eagle Heart Quick Check, you can view your own online loan record data, and the online loan credit inquiry system can query the online loan blacklist, online loan application records, and overdue records.

2. Check your online loan records, whether they are in the blacklist, whether there are overdue records, and all the data can be known at a glance.

3. Through the big data analysis of online loans, you can query the credit risk information of the parties with one click, including the online loan overdue blacklist, fraud suspect list, comprehensive credit overdue list, and multi-channel long. Loan application information and multi-platform cross-verification information can quickly identify low-credit customers and loan fraud risks.

4. Personal loan records, personal online loan records, personal long loan records, etc., all kinds of data can be known at a glance. The platform has a variety of big data reports, covering the data of major online loan platforms across the country, and checking your own loan records, overdue records or loan rejection records in 1 minute.

The personal credit inquiry login portal of the credit investigation center is: People's Bank of China Credit Information Center.

The specific query steps are as follows:

**, and then click Enter.

2. After entering, find the "Internet Personal Credit Information Service Platform" and click to enter.

3. After entering, find "Start Now", and then click to enter.

4. Enter the login screen and enter your username.

Password and verification code, click Login.

5. After logging in successfully, enter the personal page, check the credit report under the application credit information column, and click to get dynamic password.

6. Enter the dynamic password of your mobile phone and click Submit.

7. After receiving the identity verification code, enter the Get Credit Information page and check the personal credit report.

Enter the verification code and click Submit.

8. After submission, you can see the personal credit status on the credit report page.

When applying for a credit card or handling a loan business, personal credit plays a very important role, if the personal credit record is bad, it will have an impact on the lack of credit card and loans, but many bad credit records are often caused by overdue loans and credit card repayments. Nowadays, more and more people are beginning to pay attention to their credit situation, and I will introduce to you the steps to check personal credit through the official website of the Personal Credit Information Center:

1. Log in to the official personal credit information center**.

2. Find the "Internet Personal Credit Information Service Platform" in the core business column in the middle of the official ** homepage of the personal credit information center and click to enter;

4. Then you need to carry out the user login steps, if it is the first time to use the "personal credit information service platform", you need to register first, click the registration button on the right, you need to fill in your name, ID number, set a password, and then pass the mobile phone verification, you can complete the registration after filling in the verification code, and then log in with the user name and password; When registering and entering the password, you need to install the control, and you can follow the steps to operate;

5. After successful login, you need to verify, at present, there are three verification methods: bank card verification, digital certificate verification, and problem verification, and you can verify according to the prompts;

6. After verification, the system will send the verification code of credit inquiry to the user's mobile phone after 24 hours, and the user can check the personal credit information by entering the SMS verification code.

What are the online credit inquiry platforms?

At present, the People's Bank of China does not authorize any third-party platform to inquire about personal credit, all users want to inquire about personal credit through the Internet, can only inquire through the official website of the personal credit investigation center, otherwise the slag brother Lu Liang argues may lead to the disclosure of personal information, in addition to the official website inquiry method of the personal credit investigation center, users can also directly bring their valid identity documents to the counter of the People's Bank of China for inquiry, the current credit information system provides each user with two free inquiry opportunities per year, starting from the third inquiry, A fee of 10 inquiries will be charged.

1. First, open the official ** of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China, and enter the username and password to log in.

2. After logging in, click on the personal credit report query on the left, and select the authentication method to verify the question.

3. For the next few verification questions, the system will prompt you to notify the result by SMS after 24 hours after completing the inspection.

1. Credit inquiry:

The purpose of the construction of the personal credit reporting system is to facilitate the public and provide services for all walks of life, but in the actual inquiry, there is a puzzling phenomenon: some grass-roots banking financial institutions cannot charge fees due to the trouble of inquiry, and some are afraid of taking responsibility, so they need to be signed and approved by the leader or shirk on the grounds that the network is not accessible and cannot be inquired, and even more so, the inquirer is rejected because he does not have the authority to inquire. Some netizens pointed out that as the builders of the personal credit reporting system, the county-level branches of the People's Bank of China at the grassroots level do not have the authority and port to inquire about them, and they are helpless in the face of inquirers.

Personal untrustworthiness is caused by a variety of reasons, in addition to conclusive malicious untrustworthiness, there are also a considerable number of bad credit caused by negligence. Many people are still very unfamiliar with the word "credit investigation", and one negligence will be untrustworthy. In addition, when promoting credit cards, bank staff often talk about their various benefits and are vague about the obligations and consequences of default, resulting in customers not paying enough attention to the credit stain caused by late repayment.

In addition, some objective factors can also lead to the occurrence of untrustworthy behavior, such as the change of the party's repayment due to the upgrade of the banking system. Some netizens pointed out that negative information in personal credit records will be kept for 7 years abroad, while corporate and personal bankruptcy records will be kept for 10 years. But in China, there is no clear legal requirement for how long negative information should be retained in an individual's credit records.

According to the operating procedures of the personal credit reporting system, after the credit reporting management department of the People's Bank of China accepts the objection application, it shall immediately transfer it to the credit information service center of the People's Bank of China, and then transfer it to the corresponding commercial bank for investigation, and then reply to the credit information service center after inquiry and verification, and then return to the credit information management department of the local People's Bank of China, and then notify the applicant. There are many links in this process, and most of the commercial banks have overdue deadlines in the investigation, resulting in an excessively long processing time for objection applications.

<>With the development of society, personal credit inquiry has become an important service, and more and more people have begun to pay attention to the way of personal credit inquiry. The Online Credit Information Center is a professional personal credit inquiry service agency, which provides a convenient, safe and reliable personal credit inquiry service. This article will introduce how to make a personal credit inquiry through the online credit information center.

The online credit information center was called.

The Online Credit Information Center is a professional personal credit inquiry service agency, which provides a convenient, safe and reliable personal credit inquiry service. The online credit information center has a professional technical team, and they are committed to providing quality services to customers. The service scope of the online credit information center covers personal credit inquiry, corporate credit inquiry, collateral inquiry, guarantee inquiry and other fields, providing customers with comprehensive credit inquiry services.

Personal credit inquiry process of the online credit information center.

The personal credit inquiry process of the online credit information center is very simple, you only need to follow the steps below:

Step: Log in to the official website of the online credit information center and click "Personal Credit Inquiry";

Step 2: Fill in personal information, including name, ID number, mobile phone number, etc.;

Step 4: Wait for the query result, and the online credit information center will complete the inquiry within 1-3 working days;

Step 5: Check the query result, and the online credit information center will send the query result to the customer's mobile phone number or email address.

Advantages of personal credit inquiry in the online credit information center.

The personal credit inquiry service of the online credit information center has the following advantages:

Convenient: The online credit information center provides a convenient personal credit inquiry service, and customers only need to complete the inquiry online without leaving home;

Security: The Online Credit Information Center has adopted strict security measures to ensure the security of customers' personal information;

Reliable: The online credit information center has a professional technical team, and they are committed to providing customers with quality services;

**Affordable: The inquiry fee of the online credit information center is relatively low, and customers can choose the appropriate inquiry service according to their needs.

2.Conclusion.

The Online Credit Information Center is a professional personal credit inquiry service agency, which provides a convenient, safe and reliable personal credit inquiry service. The personal credit inquiry process of the online credit information center is simple and easy to operate, and customers only need to follow the steps to complete the inquiry. In addition, the personal credit inquiry service of the online credit information center has the advantages of convenience, safety, reliability, and affordability, and has been well received by the majority of customers.

Therefore, if you want to check your personal credit, you may wish to choose the online credit information center, which will provide you with quality services.

First, open the official ** of the People's Bank of China Credit Information Center Personal Credit Information Service Platform (search online to come out, but note: it must be official**), click ** in the upper right corner to register. The next step is to agree to the service agreement and move on to the next step.

Then, fill in the information such as your real name and ID number.

Second, you will be taken to the verification page. Generally speaking, there are two verification methods, it is recommended to select question verification, then go to the next step to set the question verification content, and finally submit it. Remind!

When setting up a password, you need to note that it must contain three contents: uppercase letters, lowercase letters, and numbers.

Then there will be a prompt after the submission is successful, attention! Be sure to keep in mind the query password. Then, within 24 hours, you will receive an activation SMS on your mobile phone, and you can log in to the personal credit information service platform to check it.

Finally, enter your login, password, and verification code, and click Login. After logging in, you can click on the personal credit report on the left side to query. Then click Authentication Method, select Digital Certificate Verification, Question Verification, and enter the query password.

Then your personal credit report is generated! At the same time, the credit report can also be printed in pdf format, so that it is much more convenient to check the credit.

1. What are the consequences of a negative personal credit record?

1. It is not possible to apply for loans in financial institutions such as banks, small and medium-sized loan companies.

Not only did it become vain to take out a loan to start a business and capital turnover, but even applying for a housing loan and car loan would be rejected. In modern society, 2. Credit cards can no longer be processed.

If you have a bad credit record, it is impossible to get another credit card for your daily consumption. It's the same at every bank, because each bank can check your credit history.

3. Affect personal travel.

If the personal credit record is blacklisted, it will be included in the blacklist of dishonesty by the court. It will lead to high consumption such as not being able to take planes and high-speed trains, not being able to stay in star-rated hotels, not being able to apply for starting a company, and so on.

2. How to eliminate negative personal credit records.

1. Credit card records only show the last 24 months, and it is difficult to query past records. Therefore, do not cancel your credit card after a bad record, or ignore the bank urging you to cancel your card. As long as the cardholder spends at least 1 yuan per month for the next 24 months and repays the loan on time, the previous bad record can be overwritten, and the good record can be regenerated without affecting the subsequent credit.

2. As long as the bad record is not uploaded to the system, generally 90 days, the cardholder takes the initiative to contact the card bank, explains the reasons and takes appropriate remedial measures, and the bank will usually help customers eliminate bad credit records.

3. The latter method of eliminating records takes time. The People's Bank of China generally only keeps an individual's credit record for seven years. Therefore, as long as the cardholder does not have any bad record within 7 years after the bad record is generated.

Then the People's Bank of China will also automatically remove the cardholder's bad record.