Personal credit history issues with the People s Bank of China

1. Generally speaking, the credit information system of the People's Bank of China only records information for two years.

2. If your credit history found out in the People's Bank of China is normal, then ICBC will also find out that your credit history is normal.

PS: With years of experience in credit work, your credit card overdue is not malicious overdue, even if ICBC finds out your overdue record, you only need to write a non-malicious overdue description. It will not affect your loan application.

It's just that once you have a mortgage loan, you must remember to repay it in advance every month, if you are usually busy, you can deposit an extra month of mortgage payment first, and then you can save it on any day every month. Hehe! In addition, I will tell you the most cost-effective repayment method:

Equal principal repayment (if you know it yourself, even if I say more!) ）

If you have more than 3 mortgages, you will not be able to discount it, and you will have to increase the interest rate by another 10% on top of the base rate. I bought the house in my brother's name. I use the Agricultural Bank of China, and the discount is 85% off.

It seems that 7% off is very difficult to do. The black-hearted real estate dealer said that he would do a 7% discount. As for the records from four years ago, I don't know.

You can check it out at the personal consumption loan department of the opening bank.

No, even the results of the People's Bank of China are normal, then there will be no problem, the other personal credit of commercial banks are checked in the People's Bank of China, in addition, personal credit or to distinguish the consequences of bad records, if you owe less money, and the repayment time is not very long, the impact on personal credit is not very large. However, our country is sensitive to the bad record of housing loans, so it is best not to owe money.

You can log in. Let's take a closer look.

In our lives, when buying a house and writing information, the staff will ask us to provide our credit report. When we go to the bank to print out the credit report, we sometimes find that it says that the People's Bank of China credit information system has no credit record, so what is going on?

Don't be in a hurry when you encounter this situation, this explainsWe have not gone to the bank for a loan, nor have we applied for a credit card, etc

If you want your credit report to be "good-looking", you can use a credit card to pay in your daily life and when you consume. After you spend more, you will repay the loan on time every month, and if you are not overdue, your personal credit rating will be higher and higher.

Now credit reporting has started to affect every aspect of our lives. If you have serious personal credit problems, it may affect our travel, and it may also affect our children's education.

Not to mention going to the provident fund loan to buy a house. Nowadays, housing prices are basically very high, and if there is no bank loan or provident fund, there are really not many people who can pay off the house at one time, and they need to take out a loan more or less.

Personal credit travel problems, resulting in banks not lending to us, may affect the future happy life. Today's society is a society where you have to buy a house to get married.

Therefore, we must develop good consumption habits and do not affect our personal credit because of some small things.

Even if you usually like to spend in advance, you must repay the loan on time, and don't wait for the time when you need to use the credit report and find that your personal credit is very low. When it really comes, how can there be regret medicine for us to take.

If you don't have a credit history, it means that there is no problem with your credit report, you have not applied for a loan before, and you are not overdue.

It is very likely that there is no network, and it may be because there are some problems in the system, so this situation will happen.

It's probably because there's no internet, or it's because there's a problem with the machine, so it's happening.

Personal credit information is based on your tax records, as well as your consumption records, and your lending records, all of which will affect your personal credit information.

Credit reporting is an activity in which a professional and independent third-party institution establishes a credit file for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law, which provides a platform for professional credit institutions to share credit information.

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 emergence of credit reporting activities stems from the emergence and development of credit transactions. Credit is a special form of value movement conditional on repayment, including forms such as money lending and commodity credit sales, such as bank credit, commercial credit, etc.

Extended Materials. Credit can be divided into three main categories:

1. According to the business model, it can be divided into two categories: enterprise credit and personal credit, and enterprise credit is mainly an institution that collects enterprise credit information and production enterprise credit products; Personal credit reporting is mainly an institution that collects personal credit information and produces personal credit products;

2. According to the service object, it can be divided into credit information, commercial credit, employment credit and other credit information, and the main service object of credit information is financial institutions to provide support for credit decision-making; The main service objects of commercial credit are wholesalers or retailers, providing support for credit sales decisions; The main service object of employment credit is the employer, providing support for the employer's employment decision-making;

3. According to the scope of credit can be divided into regional credit, domestic credit, transnational credit, etc., regional credit is generally smaller, only in a specific area to provide credit services, domestic credit is currently one of the most institutional forms in the world, especially in recent years, the countries that have opened credit agencies have generally adopted this form of transnational credit in recent years, and this kind of credit can develop rapidly. There are mainly internal and external reasons: the internal reason is that some old credit bureaus in Western countries use various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.) to penetrate into other countries in order to expand their business.

The personal credit information in the credit information system of the People's Bank of China is generally generated through your loan repayment.

I just know this question, let me answer it.

It can be checked. Loan processing conditions:

1. Chinese citizens aged 18-65 who have a fixed residence in China, have a permanent residence in a local town, have full capacity for civil conduct;

2. Have a good job with a proper and stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with national regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

The credit report is usually updated once a month, and you can check it after the credit report is updated.

No, a person can check twice a year for free, if you handle credit cards, loans and other financial services, the relevant bank will also check the credit, the number of inquiries does not affect the loan approval, but the bad credit record in the report will affect the loan approval.

What is the security posture?

The information of the credit report is generally divided into the following types.

Personal information, such as home address and marital status, including the company you have worked for, your monthly salary, and the property in your name.

Credit history, credit card history and mortgage history.

Have a loan, have a large credit card, expect 0 times--- excellent 1 5 times, good 5-10 times, poor.

More than 10 times, basically the loan is directly stuck, and non-malicious expectations can be found to show proof.

A credit report can be used to reflect an individual's creditworthiness and assets or financial strength from the banking system.

I want to ask... Is it you who investigates others, or who investigates you...

No, the loan has a term and will not be checked for credit.

No, at present, private institutions do not have the right to inquire about the credit of the central bank, and everyone is only a small company!

No. There will only be a sign on it of whether it is repaid on time or not.

You can log in to the official ** of the Personal Credit Information Center of the People's Bank of China for your own inquiry.

l Upload your original personal credit report**, each page of the credit report needs to be taken independently, and the entire credit report should be uploaded in full in order of page number.

Please confirm that the information you upload is clear, unmodified digital**or scanned**.

The personal credit report is a file issued by the People's Bank of China, which comprehensively records personal credit activities and reflects the basic status of personal credit. This report is an important basis for you to increase your credit limit. 51 such as easy loans.

See map of the People's Bank.

The fastest bus line from Bao'an Shiwei to Renmin Bank: 863 Road E8 Road, the whole journey is about one kilometer.

1. Take No. 863 from Shiwei and arrive at Hantian Industrial Zone Station after 3 stops.

2. Walk about 330 meters to Handa Junction Station.

3. Take E8 Road, after 4 stops, arrive at Shenzhen Book City Station.

4. Walk about 70 meters to reach the map of People's Bank of China Shenzhen Branch.

At present, there are three formal channels for personal credit report inquiry, namely:

1. On-site inquiry at each branch of the People's Bank of China.

2. Inquire through the self-service inquiry of personal credit report.

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

Of course, in addition to the above three channels, you can also use mobile apps and other methods to query, but because it is a third-party software, there may be problems such as information leakage. It is recommended that you do not authorize other institutions to inquire about credit at will, and at the same time, do not inquire through network channels such as public wifi and Internet cafes.

1. Bring your valid personal ID card to the outlets of the central bank credit information centers around the country for on-site inquiry;

3. Go to some bank ATMs or ** to inquire, such as Bank of Beijing online banking U shield can query personal credit report.

4. If you want to quickly check your credit card overdue records, you can go to the card evaluation *** to pull a credit card usage report, which covers your overdue records, credit card risk index, overseas card consumption and card merchant analysis, and can analyze your credit card usage from all angles.

How to check your personal credit history.

At present, the People's Bank of China has officially put into operation the National Unified Basic Personal Credit Information Database established by commercial banks, and your relevant credit information has been recorded in the database and has become part of your credit record. You can bring your valid ID card to the credit investigation department of the local branch of the People's Bank of China or log on to the official website of the People's Bank of China to check your personal credit report.

The online inquiry method of personal credit history is as follows:

1.Go 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.

The personal credit information prompt reminds the registered user in one sentence whether there is an overdue record in the personal credit reporting system for the last 5 years; The Personal Credit Information Summary displays a summary of the registered user's personal credit status, including summary information of credit history, public rental 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.