What do you need to bring to the credit report, and what information do you need to make a credit re

If you choose to check the credit report online, you don't need to bring the information, just fill in the personal information, receive the identity verification code, strictly speaking, you only need a mobile phone and a printer (you can also print outside). If you choose to go to a bank branch or self-service machine to print, you will need to bring your ID card.

Cell phone. You can bring the original and copy of your valid ID card, and keep a copy of your valid ID card for future reference; Fill in the Personal Credit Report truthfully.

I inquire about the application form.

1.The credit report is provided no matter which bank you go to for loan business, and the credit report is also very simple, you can go directly to the People's Bank of China or check it directly on the Internet, but the credit report must not be overdue for three consecutive months or six overdue repayments in total. Because they are both overdue repayments, they are often linked together to say that these two situations are very serious credit stains in the eyes of the bank, and they will definitely be classified as "problem customers" and high-risk loan groups will enter the "blacklist", and there will be a great risk of rejection of future loans.

2.In general, personal credit reports.

You can go to the People's Bank of China counter, or you can go to the personal credit report self-service inquiry machine, but both of these have to go out to handle it, and you have to carry a bunch of information, which is more troublesome. The online inquiry can be made without going out, without carrying information, and there is no charge. It is recommended that friends who print credit reports more often choose to check and print online, which is convenient and can save a small amount of money.

3.The online version of the personal credit report is free and free of charge, and if you want to print it, the print shop will charge a few cents or a few dollars for printing, depending on the local price.

Extended information: A new self-service personal credit report inquiry machine using facial recognition technology has also been introduced.

and ID card, after successful comparison, enter the mobile phone number, you can print a simple version or a detailed version of the personal report. Online printing process: Log in to the Credit Information Center of the People's Bank of China.

Open the version on the official website, click on the mobile phone to start now, new user registration, select bank card, question, digital certificate.

Method of identity verification Select the credit report after passing Wait for the verification code after submission Enter the authentication code to view the credit report - select print on the credit report webpage.

Materials to be prepared for the People's Bank of China to check credit records:

1. If you are applying to inquire about your credit report, you need to prepare the following materials:

The original and photocopy of the person's valid identity document, and keep a copy of the valid identity document for future reference;

Fill in the "Personal Credit Report Personal Inquiry Application Form" truthfully.

2. If the personal credit report is inquired by others, the following materials need to be prepared:

The original and photocopy of the valid identity documents of the client and the ** person for credit investigation inquiries, and keep a copy of the valid identity documents for future reference;

Power of attorney for credit inquiry client;

**Person truthfully fills in the "Personal Credit Report Personal Inquiry Application Form".

Note: The specific information is subject to the official requirements of the People's Bank of China, and the local People's Bank of China can be consulted for details.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Print a credit report.

You only need to bring the original and copy of your valid ID card, and leave a copy of your valid ID card for future reference.

Inquiring about credit reports in person Where an individual inquires about a credit report at an inquiry point, he or she should provide his or her original valid identity document for verification, and fill in the Personal Credit Report at the same time.

I check the application form", and keep a copy of a valid ID for future reference. Valid ID documents include: ID card (2nd generation ID card.

The front and back must be photocopied), soldier ID, passport, Mainland Travel Permit for Hong Kong and Macao Residents, Residence Permit for Foreigners, etc.

Entrusting others to inquire about credit reports Where entrusting others to inquire about personal credit reports at the inquiry point, the person shall provide the original valid identity documents of the principal and the person and the notarization certificate of authorization for inspection, and at the same time fill in the "Application Form for Personal Credit Report Inquiry by Myself", and keep a copy of the valid identity documents of the principal and the ** person, and the original notarization certificate of authorization for future reference.

You can go to the counter of the People's Bank of China to print the credit report, or you can go to the outlets of some banks, provided that the outlets of these banks have self-service machines for checking the credit report, and the specific information is subject to the official requirements of the People's Bank of China, and you can consult the local People's Bank of China for details.

Extended Materials. 1. It is normal to check the credit several times a year.

Credit inquiry up to 3 times a month, up to 10 times a year, it is necessary to know that there will be a record of a credit inquiry, then the user frequently inquires about the credit, there are many records, and the bank will speculate that the user needs a loan to inquire about the credit when he sees these records.

Obviously, it will be very, very high, which will affect the loan approval, so it is best not to check the credit report too often.

2. Will online loans affect credit reporting?

Although not all online credit loans will be included in the credit report, there are also some borrowers who are connected to the micro-loan because of the docking system, so the micro-loan credit record will appear in the credit report. Under normal circumstances, Huabei is used.

When borrowing for shopping installments, there is no impact on the personal credit report, and whether it is "borrowing" or WeChat's "micro loan", they are both small loan products, and may also appear in the personal credit report, so if the individual applies for a loan too frequently and does not repay the loan on time, it will also affect the approval when applying for a loan at the bank.

Depending on the location where the personal credit report is inquired and printed, the materials required are also different.

Among them, those who go to a branch of the People's Bank of China to inquire and print on the spot need the original and copy of the ID card, and fill in the "Personal Credit Report Personal Inquiry Application Form". If you go to a commercial bank authorized by the People's Bank of China to inquire and print, in addition to the above materials, you must also provide a "Personal Credit Inquiry Authorization Letter".

Printing credit reports is divided into two situations: the person and the entrusting person

1. If you apply to print the credit report, you need the following materials:

1. The original and photocopy of the valid ID card, and keep the copy of the valid ID card for future reference;

2. Fill in the "Personal Credit Report Personal Inquiry Application Form" truthfully.

2. If the credit report is printed by entrusting another person, the following materials are required:

1. The ** person shall provide the original valid ID documents of the principal and the ** person;

2. Power of attorney for the client to authorize the printing of the credit report;

3. ** person truthfully fills in the "Personal Credit Report Personal Inquiry Application Form".

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.

There are three types of credit reports: basic personal information, credit transaction information, and other information.

In addition to the most common credit card overdrafts and overdue repayment of personal mortgage loans, some behaviors such as failure to pay bills on time and guarantees may be included in the personal credit report.

The report shows that if I have tax arrears, civil judgments, compulsory enforcement, administrative penalties or telecommunications arrears, etc., the report may display Huaiyu.

This means that future utility or landline bills, as well as guarantees for third parties that fail to repay the goods on time, will also be included in the bad credit history. <>

If it is an individual credit report, you only need to bring the original and copy of your valid ID card to the bank window or self-service counter to print. In addition, China's relevant regulations stipulate that individuals can check their own credit reports at the counter for free for the first two times a year, and charge 10 yuan each time from the third time, and banks shall not charge other fees such as paper fees and printing fees.

Extended information: The personal credit report records the individual's credit information, mainly including personal basic information, credit information (whether there is a bank loan, whether there is overdue, credit card overdraft records, etc.), non-bank information (water, electricity, gas and other public utility payment information, tax arrears, civil judgments, etc.).

This information will affect the individual's borrowing behavior at financial institutions. For example, when applying for a personal mortgage, the bank needs to look at the credit report, and if the credit status is good, it may get a discount, while if it has an overdue record, it may have to raise the price, or even fail to get a loan. It can be said that a personal credit report is an individual's financial identity card.

Online inquiry of personal credit report.

Provincial pilot, starting March 27, 2013, the central bank's credit information center personal credit information service platform for the public in Jiangsu, Sichuan, and Chongqing provinces (municipalities) to carry out verification trials. Subsequently, since October 28, 2013, the pilot has been expanded to 9 provinces, adding 6 pilot provinces including Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong.

There is no charge for the time being, because the online credit report inquiry is only piloted in some areas, so there is no charge for the time being, and it does not occupy 2 free "places".

On-site inquiry of personal credit report.

On-site inquiry process: Individuals bring the original and 1 copy of their valid identity documents, fill in the "Personal Credit Report Personal Inquiry Application Form" at the inquiry outlets, and submit the inquiry application, and if the number of inquiries exceeds 3 times or more in the current year, the staff will inform the individual that they need to pay the inquiry service fee, and the individual will voluntarily decide whether to pay for the inquiry. Fees are initially paid in cash and gradually increased as needed.

On-site inquiry fee standard: On May 28, 2014, the central bank announced that the People's Bank of China Credit Information Center will implement a fee system for individuals to inquire about their credit reports from June 3; Specifically, if an individual inquires more than twice a year, a service fee of 25 yuan will be charged each time, and the first two times a year will be free. The number of individual inquiries in 2014 will be counted from June 3, 2014, and the number of inquiries in each year after 2015 will be counted from January 1 of the same year.