How to check your personal credit report, how to check your personal credit report

A personal credit report generally includes the following sections:

1. Personally Identifiable Information.

Include the name, gender, age, work unit, contact address, and other information used to identify individuals.

2. Credit. The details of each credit card and loan business are listed, and the past debt history of the party subject to credit investigation is specifically displayed. Credit bureaus and credit banks often analyze consumers' behavior and preferences from this information, and judge consumers' future repayment ability from their past repayment intentions.

3. Non-bank credit.

Record the payment of consumers' bills in communications, water, electricity, and coal, such as whether the mobile phone usage status is normal, whether there is any arrears of public utilities, etc.

4. Query records.

It is a summary of all the records that have been queried by the individual in the last 6 months.

5. Objection records.

When the parties to the credit investigation feel that there is a dispute about the content reflected in the report, they may reflect it in that section by adding a statement, and the individual's right to raise objections reflects the protection of the individual's legitimate rights and interests, and is also an important way for the credit reporting establishments to correct and update their information.

6. Overdue status.

Records are generally made on a monthly basis. "n" represents normal repayment, "* represents no repayment business, overdue for 30 days, counted as "1", 60 days as "2", 90 days as "3", up to more than 180 days, counted as "7", after which the number will not be increased, but will always be displayed as "7".

Extended Materials. Credit reporting plays an important fundamental role in promoting the development of the credit economy and the establishment of a social credit system.

1. Prevent credit risks.

Credit investigation reduces the information asymmetry of all parties involved in the transaction, avoids the transaction risk caused by information asymmetry, and thus plays a role in risk judgment and disclosure.

2. Expand credit transactions.

Credit reporting solves the bottleneck problem that restricts credit transactions, promotes the conclusion of credit transactions, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and methods of credit transactions, and drives the expansion of the scale of credit economy.

3. Improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions has been reduced, the transaction time has been shortened, the transaction space has been broadened, the operational efficiency of economic entities has been improved, and economic and social development has been promoted.

4. Promote the establishment of a social credit system.

The development of the credit reporting industry is conducive to curbing the occurrence of negative credit conduct, enabling the interests of the trustworthy to be more protected, helping to maintain good economic and social order, and promoting the continuous development and improvement of the establishment of the social credit system.

Generally, you can inquire at the bank, and you can go to the local People's Bank of China to inquire which banks have this business, because not every bank can inquire about it, the People's Bank of China can inquire about it, and I have handled it.

You should bring your valid ID card to the local credit information management department of the People's Bank of China or the credit information center of the local People's Bank of China for inquiry. Some commercial banks also have credit inquiry machines.

The personal credit report issued by the People's Bank of China Credit Information Center records personal credit information, including four parts: basic personal information, credit information, public information, and inquiry records. A personal credit report directly reflects an individual's credit history and is known as an individual's financial identity card.

Online inquiry: Sou Ming can bring his ID card to the local branch of the People's Bank of China for inquiry; Online inquiry: log in to the People's Bank of China Credit Information Center** to register and apply for inquiry (each citizen can check the credit report of the informant for free 2 times a year through the People's Bank of China), personal credit report can only be queried through the People's Bank of China, do not believe some charges to help check the internal credit report.

Inquiries about personal credit reports should be kept properly and should not be handed over to others casually to avoid leakage.

How to affect a personal credit report.

1.The most important factor is whether the loan is repaid on time. If you apply for a loan or credit card at a financial institution, you must remember to repay the loan on time, once you fail to repay it within the time limit, you may have a bad record;

2.At present, more and more cities are also incorporating some bad behavior of public institutions into the credit system, such as not paying water, electricity and gas bills on time, subway fare evasion, etc. Therefore, it is recommended to cherish your credit history and repay the loan on time to avoid adverse effects on your credit after overdue.

Operating phone model: Redmi Note 11T Pro operating software version number: China Merchants Bank.

The mobile banking app has launched a personal credit or report inquiry service, and most mobile banks have opened this function at present, and you can check your personal credit report for free. Taking the China Merchants Bank app as an example, the following is the query method

2. Click "Personal Credit Report Inquiry Group".

3. Enter the "mobile phone verification code" and the email address for receiving the report, then check "I have read and agree to the "Personal Credit Report Authorization Inquiry Agreement", and finally click "Free Application for Inquiry with Sakura".

4. After that, it's time to wait for the result, and the normal is to send a message to the mobile phone number within 2-4 hours, and then get it in this way.

There are two main ways to inquire about personal credit reports, including on-site inquiries and online inquiries.

1.If you don't want to go out and queue up, online inquiry is the best way, and there are 2 free opportunities to inquire every year. You only need to enter the official website of the credit information center of the central bank, click on the "Internet Personal Credit Information Service Platform" on the official website, enter the personal inquiry page, enter and log in with the password, and choose one of the three ways of bank card verification, digital certificate verification, and question verification to obtain the query verification code, and then you can obtain the personal credit report.

2.If you have a credit card, open the personal credit report, and you can see the relevant details of all credit cards under your name in the bank credit transaction information, including the issuing bank, the number of credit card accounts, the credit card limit, the account opening time, the activation status, etc.

3.If you find that there is an inexplicable extra credit card, you must call the card issuer in time, transfer to manual customer service, let the bank cancel the credit card after verification, if the card is fraudulently swiped, overdue affected the credit, you can submit an objection application to the bank, ask to eliminate the bad credit record.

1. How to repair personal credit records:

1.Non-malicious arrears.

In reality, there are many situations where the borrower is not maliciously overdue, such as temporarily unable to repay due to special tasks, emergency situations, etc., you can try to contact the bank, it is recommended to appeal to the card-issuing bank to explain the reason, actively repay, continue to maintain good credit, and have the opportunity to remove the credit stain.

2.The bank is actively negligent.

The bank is not completely correct, sometimes (such as the annual fee adjustment is not notified, etc.) causes overdue repayment, you can appeal to the bank in time, clarify the facts, ask the bank to eliminate the bad credit card record, pay attention to retain relevant evidence, and if necessary, you can complain to the superior financial institution.

3.Overdue due to failure of third-party repayment.

Nowadays, there are many ways to repay a credit card, and it may be overdue due to the delay in receiving the account, so you can complain to the bank and provide the fault of the third party in the transfer behavior.

4.Small arrears are not paid.

Like credit cards, there is generally a grace period, and under normal circumstances, individual banks do not consider the outstanding balance to be less than 10 yuan overdue, and if it is recorded, they can communicate with the bank to eliminate the record.

5.Overdue due to personal reasons.

Pay off the arrears as soon as possible, do not eliminate the credit card or refuse to repay, otherwise it will cause a greater credit crisis, pay more attention to credit behavior in the future, in order to weaken the previous bad record, many banks will only check the record for two years, and maintaining good credit will have little impact on the future loan application.

1. Go to the People's Bank of China by yourself and apply for a credit report. Paper, detailed credit reports are available, and each person can check them 2 times a year for free, and there is a fee for more than 2 times.

1. The role of personal credit reports.

In addition to finding banks to apply for housing loans, credit cards and other businesses with the nature of borrowing, personal credit reports also play an important role in many fields. Credit history involves almost every major economic activity of an individual, and many things may not be done without a good personal credit history.

1. Find a job.

When recruiting, some units have changed the political review materials to personal credit reports, especially in banking, insurance, ** and other industries, most of which require personal credit reports when recruiting. Some companies also require applicants to provide personal credit reports when recruiting financial personnel. In many parts of the country, personal credit reports have become an indispensable part of job search materials.

Taking Hubei as an example, after Hubei Province issued the "Hubei Provincial Measures for the Management of the Collection and Application of Personal Credit Information (Trial)", not only some people have to provide personal credit reports when looking for jobs, but also check personal credit reports even if they are advanced.

2. Open an account.

Stock index investors** also ask for a personal credit report when applying to open an account. According to people familiar with the matter, the financial exchange has required the company to conduct a comprehensive assessment of the suitability of natural person investors in the stock index, and it is clear that "investors can provide personal credit reports or other credit documents in the past two months as proof of integrity records". The Credit Information Center of the People's Bank of China provides a social version of the personal credit report inquiry for the applicant for opening an account in the stock index**.

A person from a ** company in the city said that when handling the application for opening an account for a stock index, the applicant will be given a comprehensive score, and if the personal credit report is tainted, 15 points will be deducted.

3. Rent a house.

In order to understand the credit status of the tenant and prevent the risk of renting housing, some house lessors have asked the tenant to show a personal credit report.

Some real estate agents say some landlords are asking renters to provide personal credit reports. The main purpose of this is to allow renters to prove that they are more honest and will not deliberately damage the facilities in the house, and second, they will not run away from rent.