How to see if there is a problem with your credit report

I bring my ID card to the credit information center of the People's Bank of China or a bank branch with a credit inquiry machine.

If you have recently applied for a credit card or loan, it means that there is no problem with your credit investigation, otherwise the application will not be successful.

The credit record on the credit report will be maintained for at least 5 years, but the bank mainly reviews the credit record of the last two years, so we should also focus on checking whether there are abnormalities and red letters in the last two years, and there can be no bad debts, substitutions, and serious overdues.

It should be noted that don't always check your own credit information, or open some products that will check credit information online, because your credit information will be spent after checking too much, so that subsequent loan applications will also be rejected. The inquiry record will record the record of each credit investigation, including the borrower's active inquiry, the loan approval inquiry of the credit institution, the credit card approval inquiry, the post-loan management inquiry of the lending institution, and the call inquiry of the relevant department.

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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 and used to inquire about the social credit of individuals or enterprises.

The credit report is divided into three categories, namely basic personal information, credit transaction information, and other information.

Credit stains. What behaviors are easy to cause a stain on personal credit? In addition to the most common credit card overdrafts and overdue personal mortgage loan repayments, some behaviors such as failure to pay bills on time and guarantees may be included in the personal credit report.

According to the report, if I have any tax arrears, civil judgments, compulsory enforcement, administrative penalties or telecommunications arrears, etc., the report may be displayed. This means that future utility or landline bills, as well as guarantees for third parties who fail to repay their loans on time, will also be included in their bad credit history.

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.

You can log on to the official website of the central bank credit information and check whether there is any problem with your credit through personal inquiry.

With the continuous popularization of financial knowledge, more and more people have begun to pay attention to their personal credit information. This is a good thing, because a person's credit will actively determine how easy it is for a person to survive in this society, and I personally feel that everyone needs to pay attention to their own credit information. Regarding some basic knowledge of credit reporting, I will take the opportunity of this topic to popularize it for you.

You can understand personal credit as a manifestation of personal credit.

Individuals can go to the official website of the central bank to inquire about personal information.

The results of an individual's inquiry are only reflected in the user's inquiry and application records.

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

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.

You can check the personal credit report through the People's Bank of China, and the personal credit report will show how many credit cards you have, whether they are overdue, and which banks.

If you want to check whether there is a problem with your credit, customers can log in to the official website of the "People's Bank of China Credit Information Center" on a computer browser, and then click to enter the "Internet Personal Credit Information Service Platform" to inquire about personal credit reports. If it is found that there is bad credit information such as overdue and cash-out recorded in the report, it means that there is a problem with personal credit. And if you don't find any bad credit information in the report, it is a good record, it means that your personal credit is fine.

In addition, customers can also go to the third-party data platform to check the personal online loan big data to see if there are bad records in the big data, if there are bad records in the big data, that person's credit is also problematic. Customers should pay attention to maintaining good personal credit, and when repaying credit cards and loans under their names, they should develop a good habit of repaying on time to avoid overdue, so as not to affect personal credit. And be careful not to apply for credit products too frequently, so as not to make credit information and cause long loans.

It can be queried through some machines or the Internet, and individuals can check credit, but do not check credit often.

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.

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.

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.

This is the easiest way, that is, you can go to the local People's Bank to print a credit report, or some banks also have that self-service printer, you can take your ID card and scan it to print it out, such as the business hall of Zhongyuan Bank, you can print it directly. After you get your credit report, you can see your credit report very clearly.

If your credit is not good, then it is overdue, then you have borrowed money from the bank or some other loan company, but you have not repaid it to the most overdue, so your credit will not look good. But remember not to check your credit in some small credit bureaus, in that case, your credit will only be worse, and some of your credit will become worse.

Nowadays, people want to take out a loan to buy a house and a car in the bank, so if your credit is not good, then it will be very difficult for you to get a loan in the bank, and it will also have a great impact on your life. If you become a cheater, it will have an impact on your future trains, planes, etc., and most importantly, it will also affect your children, so you must pay attention to your credit information.

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

We can go to the People's Bank of China and get our ID card to make a credit report, so that we can know.

You can go to the bank to inquire, or you can call the relevant ** to check your own credit. You can get a good result.