How to check the personal credit of the bank, how to check the bank credit

At present, there are two types of credit in China.

1. The central bank's credit investigation is mainly used for the approval of financial services such as housing loans, credit cards, and car loans. You can go to the local central bank branch with your ID to print the report.

2. Baixing credit is widely used, ranging from deposit-free power bank to car loan approval and other life services. As a supplement to the central bank's credit investigation in the private sector, Baihang Credit records the user's online loan records, liability records, negative information, credit card and credit estimate and other data content. In addition to the advantages of wide data sources and complete data, it is also easier to query.

You only need to open WeChat and search: Muli data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as Muli data, sesame credit scores, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth.

No matter what channel we inquire through, it is nothing more than wanting to know the credit situation.

1. Central bank credit report. You need to bring your ID card to the local central bank outlets to inquire, and the credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past 5 years.

Click to query, enter the information to query their own credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, network black index score, black hand file situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit pre-base state estimate and other important data information.

Personal bank credit information, such as before the elimination of caution, talk about inquiry, take respect.

The following information can be obtained by searching online:

Personal Credit Information Summary]: A one-sentence way to remind you whether there is an overdue record in the personal credit reporting system for the last 5 years;

Personal Credit Information Summary]: Displays a summary of your personal credit status, including credit history, public records, and information on inquiries about your personal credit status;

Personal Credit Report]: Displays the basic information of your personal credit information, including credit history, detailed information of some public records and inquiry records.

You can easily check and obtain personal credit on the Internet, which is really convenient for those of us who need to inquire!

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How to check personal bank credit.

No matter what channel we inquire through, it is nothing more than wanting to know the credit situation.

Methods for banks to check personal credit records1. Bring your ID card to the credit report hall of the People's Bank of China where you are located;

2. Log in to the Credit Information Center of the People's Bank of China for inquiries;

3. Some banks and lending institutions provide online and offline outlets for inquiries, and you can consult your own cardholder bank or lending institution for details.

What information will be recorded in the credit report1. Your basic personal information, occupation, marriage, address, etc.;

2. A summary of the information, how many loans you have in your name, how many credit cards, how much monthly repayment, etc.;

3. Details of credit transaction information, transaction status of each loan, and whether it is overdue;

4. Some public information such as provident fund payment status;

5. Query records, who inquired about your credit report when and for what reason;

6. Other instructions and labels on credit reporting, etc.

Who can check my credit informationI have the opportunity to make inquiries twice a year free of charge, and my inquiries must be authorized in writing by the person who is cautious about his or her organization. Generally, lending institutions will inquire before and after the loan, and if the court and the ** department inquire according to law, the record will not be displayed.

I am a financial planner with 15 years of experience in the financial industry.

In the field of insurance and finance, we have helped countless netizens solve problems!

Hello, you can bring your ID card to the local People's Bank of China for inquiry, or you can check online.

The official website of the Credit Information Center of the People's Bank of China (

After logging in to the People's Bank of China online personal credit inquiry system, click Verify Personal Information - Submit Application - Enter the identity verification code to view the electronic credit report.

I want to ask a question, other people's credit is not good, I helped someone else buy a car under my name, now his car loan is not paid, and now the car is towed away by the bank, is this will not affect my credit information.

The car is not mine, I didn't drive it, the owner is in my name.

There is no other way, this is determined by the People's Bank system.

This is the big data of the People's Bank of China, and no individual can solve it.

Question: Will this credit report affect my future purchase of a house or car?

Unless you have good reason to convince the bank you're lending to that it's not your problem.

Question: I call the bank ** to make it clear, I have a car at home, I also have a house, it is someone else's credit is not good, and now I buy a car under my name, he can't make a car payment, and it is impossible to block my credit.

How to check personal bank credit.

How to check personal bank credit.