How to check the bank signal, and what can be found in the bank credit investigation

Here's how to do it:

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.

Personal credit information reminder reminds registered users in a sentence whether they have overdue records in the personal credit reporting system for the last 5 years; The Personal Credit Information Summary presents a summary of the personal credit status of registered users, including aggregate information of credit history, public 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.

Offline I bring my ID card to the People's Bank of China and its subordinate outlets for inquiries.

Go to Chinese people's credit investigation ** online.

Take your ID card to the People's Bank of China to check.

Basic personal information, such as name, ID card, marital status, etc.

Credit history, including whether there is an overdue record, the number of credit cards handled, the number of accounts and loan account details of the loan, current liabilities and other credit information.

Public records, including: tax arrears records, civil judgment records, enforcement records, penalty records, telecommunications arrears records, etc.

Check the records, you can find out which financial institutions have inquired about your personal credit in the past two years and for what reasons.

The bank inquires about personal credit mainly to determine whether the individual meets the requirements of the bank, mainly looking at five aspects.

Debt, credit card debt ratio greater than 80% has a negative impact, serious cases are directly rejected.

The number of overdue times shall not exceed 3 or 6 in the past two years, that is, the credit card and loan overdue shall not exceed 3 consecutive times in two years, and the cumulative number shall not exceed 6 times.

The number of inquiries, you can see the number of inquiries in the column of inquiry records at the end of the credit investigation, which includes the date of inquiry, the inquiry agency, and the reason for inquiry.

Account status, divided into normal, frozen, stop payment, bad debts, account cancellation, and inactivation. Normal is best.

Loan information, lending bank, loan amount, loan term, maturity time, remaining amount, etc.

The bank will also leave a query record when checking the credit, so if you go to the bank to apply for a credit card, don't continue to apply frequently, which will lead to worse and worse credit.

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 inquiries from other institutions or individuals must be authorized in writing by me. 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.