Can you find out if I m on the credit report? How to check whether you have been on the credit repor

You can try logging in to the People's Bank of China Credit Information Center**(

You can go to the bank to print the current credit report by yourself.

1. If there is an overdue record on the credit report, it will be displayed directly on the report.

II. Credit reporting reports mainly include basic personal information, information summaries, details of credit transaction information, details of public information, and inquiry records. If there is an overdue situation, you can check it in the credit transaction information details in the personal credit report. The report will directly show which bank's credit card or loan is overdue, and when the overdue time is, how much it is, whether it has been paid off, etc.

3. Of course, if there is no overdue repayment, there will naturally be no overdue record on the credit report. In addition, if the platform for applying for a loan is not connected to the central bank's credit system, even if the loan platform is overdue, the overdue situation will not be reported to the central bank's credit system by the platform and recorded in the personal credit report.

4. According to the provisions of the "Regulations on the Administration of Credit Reporting", overdue records are generally only retained for 5 years, and after more than 5 years, overdue records will be deleted by the system.

There are three ways to inquire about personal credit, no matter which way the inquirer inquires, you can find out the comprehensive information of personal credit, so you can choose the appropriate way according to your own situation.

Here are three ways to check personal credit::

1. Online inquiry: Inquirers can log in to the People's Bank of China Credit Information Center**, search for "Credit Information Center" to enter the official website, fill in personal relevant information according to the prompts, and then wait for 24 hours before making inquiries. Check **People's Bank of China official website Credit Information Center).

2. APP inquiry: With the widespread use of smart phones, related credit inquiry APPs have also come into being. Searchers can fill in the relevant app in the software store, and also fill in the information according to the prompts, and can be queried within 24 hours after submission.

3. On-the-spot application: If the inquirer wants to go to the bank to check his credit record, he can also go to the local branch of the People's Bank of China and the credit investigation branch center for inquiry. Before going to handle business, remember to bring your valid personal documents and make an appointment with the inquiry agency, after which you can make an inquiry.

If it is necessary for another person to make the inquiry on behalf of the inquiry, then not only the valid identity documents of both the inquirer and the inquirer are required, but also the notarization and authorization are required.

Note: Too many inquiry records will affect the credit assessment and lending of loan applicants by financial institutions.

If the user wants to inquire about the personal credit situation, he can bring the valid certificate on the liquid bird to the local People's Bank of China business outlets to inquire, in addition, he can also log in to the official website of the credit information center, and after registering and logging in, he can roll his pants to check his credit information on the Internet.

If you want to check whether there is a problem with other people's credit, you can let the other party entrust yourself as a **person to check the credit and print the credit, you need to provide valid identity documents of both parties, as well as a power of attorney, and then fill out a credit inquiry application form. When the credit report is printed, you can judge whether there is a problem with the credit report from the four records.

Classification of credit information:

1. According to the business model, it can be divided into two categories: enterprise credit and personal credit: 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: the main service object of credit information is financial institutions, providing 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 reporting, it can be divided into regional credit, domestic credit, transnational credit, etc.: regional credit is generally small in scale and only provides credit reporting services in a specific region; Domestic credit reporting is one of the most institutional forms in the world, especially in countries that have opened credit reporting agencies in recent years. Transnational credit is rising rapidly in recent years, and the reason why this kind of credit can develop rapidly is mainly due to internal and external reasons: the internal reason is that some old credit reporting agencies 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 external reasons are mainly due to the acceleration of the process of world economic integration, the mutual penetration and integration of the economies of various countries, the increasing number of transnational economic entities, and the increasing demand for transnational credit business.

Log in to the Bank of China credit inquiry system on your mobile phone and check your own credit report, which can see the time and person of others querying your report.

No. No one is allowed to check your credit report casually. If someone wants to check your credit report, they must first obtain your personal authorization.

No one else has the right to check your credit report without authorization. However, if another person has obtained your authorization, as a **person, the other person can bring the original and copy of his and the authorized person's valid identity documents, and the authorization inquiry power of attorney signed by the principal to the credit investigation management department of the People's Bank of China to inquire about the credit report of the principal.

No one else can use your ID card to check your credit information. The inquiry of personal credit report must be authorized, that is, authorized by the person to the financial institution, and the financial institution can check the user's credit report. Secondly, others inquire about credit on behalf of the user, and the user also needs to issue a certificate, without which others cannot rely on the user's ID card to check the credit.

1.Check whether your Gao Yuanqi's identity information has been used by others to register the company, search for "electronic business license" applet on WeChat, click on the box that pops up, click "I'll take a look", and then click on the lower right corner of "other applications" - "investment status" query to query your situation.

2.Check whether your identity information has been fraudulently used to join the company** "Individual Income Tax" APP, click on the "Personal Center" - "Employment Information" to see how many you have joined, whether the company has been "hired", if so, click "Appeal" to cancel it quickly!

3.Check whether your personal information has been taken to the online loan to enter the "People's Bank of China Credit Information Center Official Website" click "Internet Personal Credit Information Service Platform" to enter the "Personal Credit Inquiry System" In addition, remember to click on the upper right corner to "register" first when registering, if this situation occurs, it means that you have never participated in the credit loan office...