How to check personal credit history Whether you have a bad credit record is clear at a glance

Personal credit history can also be checked online, has the loan been repaid in time? Do you have a bad credit history? Citizens can hold their own ID cards and log in to their personal credit records to check their credit reports.

Strict authentication procedures are also set up for online queries, including privacy question verification and digital certificate verification.

The personal credit system is a system that evaluates the credit rating of individuals according to their household income and assets, loans and repayments that have been incurred, credit overdrafts, penalties and lawsuits in the event of bad credit, and records and archives them at any time, so that the supply side of personal credit can decide whether to provide credit or how much credit to provide. There are two forms of reflecting personal credit status, namely personal credit report and credit score. Under the conditions of a market economy, the personal credit system is very important.

How individuals can effectively use credit products and maintain a good credit history is even more important.

Many friends don't know about personal credit history online checking**. Some people don't know what the steps of online personal credit history inquiry are. Here I will share with you how to check your personal credit history online. Hope it helps!

Many people don't know how much the personal credit history online inquiry is, we can search for "personal credit history online inquiry". Then the first thing that marks the official website in the search results is the query platform.

After entering, it is time to check your personal credit history online**, and you need to register first. After logging in, I guess that I can search.

There are currently two ways to check your credit history.

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, online black index score, blacklist, online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate and other important data information. "

1. Water, electricity and gas bills are not paid on time.

2. The credit card has been overdue for three consecutive times and six times in total.

3. Monthly payment of car loan.

Overdue or non-repayment for a cumulative period of 2 to 3 months.

4. Loan interest rate.

The increase will still be based on the original amount of the "monthly payment", resulting in overdue interest.

5. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months.

6. Cashing out of personal credit cards.

7. Student loans.

Non-repayment in arrears.

8. If the "sleep credit card" is not activated, it will still incur an annual fee, and if it is not paid, it will have a negative credit history.

9. Credit card overdraft consumption and mortgage loans are not repaid on time.

10. When providing security to a third party, the third party did not repay the loan on time.

11. Fraudulent use of ID card by others.

or a copy of the ID card to generate a credit card arrears record.

12. The mobile phone deduction is linked to the bank card deduction, and if the relevant procedures are not handled after the mobile phone is deactivated, it will also cause a bad record if it is overdue due to the arrears of monthly fees.

Extended information: 1. Make a credit report.

Go to the local People's Bank of China.

Institutional Credit Bureau.

It is necessary to hold the original destroyed copy and copy of the ID card; If the person entrusts another person to inquire about the personal credit report 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 certificate of authorization notarization for future reference.

2. In accordance with the "Regulations on the Administration of the Credit Reporting Industry".

Article 16: The retention period for credit reporting establishments to keep negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information, and the credit reporting establishments shall record it.

Article 17: Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.

Article 18: Where inquiries are made to credit reporting establishments about personal information, the written consent of the information subject shall be obtained and the use agreed upon. However, there is an exception where the law provides that an inquiry may be made without consent. Credit reporting establishments must not provide personal information in violation of the provisions of the preceding paragraph.

Legal analysis: Bad credit history is the limitation of personal credit history, and after bank customers apply for loans, due to some reasons, the repayment is overdue, that is, credit stains.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry" Article 44: The meanings of the following terms in these Regulations:

1) "Information providers" refers to units and individuals that provide information to credit reporting establishments, as well as units that provide information to the Basic Financial Credit Information Database.

2) "Information users" refers to units and individuals that obtain information from credit reporting establishments and the Basic Financial Credit Information Database.

3) "Negative information" refers to the following information that has a negative impact on the information subject's credit status: information on the information subject's failure to perform obligations in accordance with the contract in activities such as lending, purchasing on credit, guarantees, leasing, insurance, or using credit cards, information on administrative punishments for the information subject, information on the people's court's judgment or ruling on the information subject's performance of obligations and compulsory enforcement, as well as other negative information provided for by the department for the oversight and management of the credit reporting industry.

At present, there are two inquiry channels to check all of a person's credit and online loan records.

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

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, online black index score, blacklist, online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Extended Information: There are several reasons for personal credit damage:

1. The credit card has been overdue for three consecutive times and has been overdue for a total of six times.

2. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months.

3. The monthly payment of the car loan is overdue or non-repayment for 2 to 3 months.

4. The interest rate of the loan is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas bills are not paid on time.

6. Vicious TX behavior on personal credit cards.

There are two ways for individuals to check their credit reports.

First, when applying for a credit card or loan from a commercial bank, the bank will inquire about the basic database of personal credit information, and the individual will take his or her credit report to look at it.

Second, you can inquire with the credit investigation management departments of the People's Bank of China in various places.

In addition to the person, only commercial banks can directly view the user's credit report when handling loans, credit cards and other business and post-loan management, and the commercial bank must also obtain the user's written authorization in advance.

1. How to record personal credit:

Documents that comprehensively record personal credit activities and reflect personal credit status are the basic products of the Basic Personal Credit Information Database. For the sake of structure, divide the content of the credit report into multiple sections according to the type of information.

Each section is a segment, and each segment is further divided into sub-segments. A personal credit report consists of the name of the credit report and the content of the credit report. The content of the credit report includes three parts: the header of the credit report, the subject of the credit report, and the description of the credit report.

2. What does bad credit record refer to: This belongs to the limitation period of personal credit record, and after bank customers apply for loans, due to some reasons, the repayment record is overdue, that is, credit stain.

Different banks have different standards for approving personal credit records, and with the change of time, consumers' economic conditions and repayment conditions will also change, and banks will not pay attention to consumers' early bad credit records invariably.

On November 2, 2012, the central bank confirmed that the new version of the personal credit report has been launched, and the credit card and loan overdue before October 2009 will no longer be displayed, and the overdue record will be retained for 5 years thereafter, which is equivalent to the citizen's overdue negative record is no longer accompanied by the shouting cover for life, if it can continue to repay the loan on time and in full for 5 years, it can be repaid back to the credit innocence.