How to check personal credit online, how to check personal credit online

Hello! You can check your personal credit report in the following ways:

1.Please log in to the Personal Palm Banking app and click [All Assistant Personal Credit Report] on the home page. Review and sign the inquiry authorization agreement, fill in the email address to receive the credit report, authenticate and trigger the credit report inquiry.

2.Please inquire at the local People's Bank of China or register online through the "Personal Credit Information Service Platform" of the Credit Information Center of the People's Bank of China.

3.If there is a self-service inquiry machine in the local area, it can also be queried through the self-service inquiry machine.

You can check your business credit report through the following channels:

1.Corporate Internet Banking:

1) The corporate contractor logs in to the corporate online banking and clicks [Service Center Enterprise Credit Report to Activate Business] to activate the business.

2) After the business is activated, click [Service Center Enterprise Credit Report Inquiry Report] to apply for inquiry.

2.Corporate Palm Banking:

2) After the service is activated, click "Apply for Query" to query and apply.

2.Inquiries are not limited by counter business hours and are free of charge.

3.Inquiries are limited to 1 per day, no more than 3 per month, and no more than 12 per year.

How to check personal credit on the Internet?

1. First of all, enter the official website of the Credit Information Center of the People's Bank of China;

2. Click on the "Internet Dust Vertical Personal Credit Information Service Platform" under "Core Business";

<>4, if it is a new user point registration information, the old user directly logs in;

5. After registering, enter the welcome page. You can see here that there are two modules on the left side: information service and user management; Click "Credit Services" - "Apply for Credit Information" on the left; Select the verification method, you can choose question verification, bank card verification, digital certificate verification, and the relevant options are explained later, and you can choose according to the real situation; When choosing credit information, it is generally good to choose all three.

6. After submitting it in combination with your actual situation, it will prompt: [Your credit information inquiry request has been submitted, please visit the platform to get the result after 24 hours, please re-apply if the identity verification fails.] In order to ensure information security, the credit information applied for will be automatically cleared after 7 days, please get the query results in time.

Submit and the application is complete.

7. After the authentication is passed, there will be an SMS notification when the result is out. If the application is not approved, you will be re-verified with another verification information.

2.Click "Get Started" on the page to go to the login page.

3.On the login page, enter your username and password to log in, if you are not registered, click "New User Registration" on the right to register and log in.

4.Log in to the Personal Credit Information Service Platform.

5.On the right side of the webpage, click "Information Service" - "Apply for Credit Information", and follow the prompts to verify that you can check your credit. Legal basis:

Article 7 of the Supreme People's Court's Several Provisions on the Publication of Information on the List of Judgment Defaulters" Article 7: All levels of people's court shall enter information on the list of judgment defaulters into the Supreme People's Court's list of judgment defaulters, and uniformly release it to the public through the database. On the basis of the actual conditions of each region, all levels of people's court may publish the list of judgment defaulters through other methods such as newspapers, radio, television, the internet, and court bulletin boards, and may periodically announce to the public the implementation of the judgment defaulters list system by that court and the courts in their jurisdictional jurisdiction through press conferences or other methods.

Article 7 of the Supreme People's Court's Several Provisions on the Publication of Information on the Judgment Defaulters List" Article 7: All levels of people's court shall enter information on the Judgment Defaulters List into the Supreme People's Court's Judgment Defaulters List, and uniformly release it to the public through the list. All levels of people's court may, on the basis of the actual conditions of each region, publish the list of judgment defaulters through other means such as newspapers, radio, television, the internet, and court bulletin boards, and may employ press conferences or other methods to periodically announce to the public the implementation of the judgment defaulters list system by that court and the courts in their jurisdiction.

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

How to check personal online loan credit?

Seconds understand how to check personal credit in the debt micro-classroom.

Tools required: Computer or mobile phone.

The steps for checking personal credit online are as follows:

2. Click Start Now on the page to enter the login page.

3. On the login page, enter the username and password to log in, if not registered, click New User Register on the right side to register and log in.

4. Log in to the Personal Credit Information Service Platform.

5. On the right side of the circular difference webpage, click Information Service to apply for credit information, and check credit after verification according to the prompts.

Personal Credit Introduction:

Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users.

Personal credit reports are personal credit history records that credit reporting establishments have collected in accordance with law, processed and sorted out in accordance with law, and finally provided to lawful information inquirers in accordance with law. As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories. In May 2019, the new version of personal credit information was officially launched, and the duration and refinement of credit information will be further improved.

On September 30, 2021, the Measures for the Administration of Credit Investigation Business were deliberated and approved by the 9th Executive Meeting of the People's Bank of China in 2021 on September 17, 2021, and are hereby promulgated and will come into force on January 1, 2022. <>

Check personal credit records on the official website of the People's Bank of China Credit Information Center. Open the official ** of the Credit Information Center of the People's Bank of China and find the "Core Business" module. Find the "Internet Personal Credit Information Service Platform" and click "Start Now" to log in.

After logging in, select the information you want to inquire about and the object to be queried, and fill in your personal information. After filling in the personal information, click the "Send Verification Code" icon to receive the SMS verification code on the bound mobile phone. After that, enter the verification code in the SMS into the verification code filling area for verification.

After successful verification, you will receive a "query code" from the credit information center within 72 hours. Use the "inquiry code" to check your personal credit record.

Extended Information: What is a Credit Reporting Report:

The content of the credit report mainly includes basic personal information, information summary, credit transaction information details, public information details, personal statements, objection marking, and query records.

How to look at the bad loan record in the credit report:

In the personal credit report, the user's loan information will be recorded, and you can check your "number of credit card accounts" and credit details.

When we look at the credit report, we generally need to know the following:

If there are multiple loans, the loan information with bad records will be displayed first;

If there is no bad record, it will be displayed in the order in which the loan occurred, and the earlier it occurs, the more it will be ranked first;

How long does it take for a credit report overdue record to be eliminated:

In the case of paying off the arrears, the overdue credit will be automatically cleared after 5 years from the date of repayment. If the arrears are not paid off, then the overdue behavior will still be recorded by the credit report. Personal credit reporting records are activities of the People's Bank of China to collect, inquire into, and assess personal credit information in accordance with law.

Personal credit records reflect the creditworthiness of individuals, and are also the review conditions that many loans need nowadays. The normal loan record on the credit report will not have an impact on the individual, but the overdue record will reduce the personal credit, thus having a series of effects.

The impact of bad credit records.

Impact loans. If you have a bad credit record, you will not be able to borrow money in the bank in the future, and you will not even be able to get a credit card, which is called spending tomorrow's money to enjoy today's happiness.

Affect travel. If there is a bad credit record, the previous overdue repayment will be included in the credit information system, and the individual's travel will also be affected. For example, you can't take planes, trains, etc.

Affect employment. Many large companies will conduct a background check on you before you join the company, and if you find your bad credit record, you will definitely not be able to join the company.

Affect families. For example, if one person has a bad credit record between the husband and wife, then the other person wants to take out a loan to buy a house and a car, and it will also be rejected; Remind friends not to have bad credit records, do not default on any expenses in life, and if there are really certain difficulties, you should also choose to repay the minimum amount, installments, etc.

At present, there are three main ways to inquire about personal credit:

First, you can go to the local branch of the People's Bank of China for on-site inquiry;

the second is to inquire about my credit report service through the Internet;

The third is other service channels such as online banking inquiries and commercial bank inquiries.

The following is an introduction to how to check personal credit information through the People's Bank of China Credit Information Center.

1. First of all, enter the official website of the Credit Information Center of the People's Bank of China;

2. Then scroll down to find the Internet Personal Credit Information Service Platform.

3. Click Start Now.

3. Log in to your account.

4. If you select the verification method, you can use the three verification methods in the figure.

5. The user selects the credit information product to inquire about and clicks Next.

6. Generally, on the second day after submitting the inquiry application, the SMS containing the identity verification code will be fed back according to the mobile phone number filled in during registration. Individuals need to log in** to view their credit report using the verification code within 7 days of receiving the verification code.

Notes:1. Credit reporting is an objective record, whether good or bad, as long as it is within the scope of collection, it will be recorded.

2. The personal credit report is equivalent to our "economic identity card", which is an objective and authoritative record of our own historical credit. It is widely used in the fields of loan and credit card approval, qualification review, etc., and people with poor credit history are likely to be rejected or offered the required interest rate when applying for a credit card or loan.