How do I know my credit situation and how do I know if I have any problems with my credit report?

Through the Credit Information Center of the People's Bank of China.

2. On the homepage of the official website of the Credit Information Center of the People's Bank of China, find the "Internet Personal Credit Information Service Platform" and click to enter.

5. On the account registration page, fill in the personal information according to the requirements on the registration page to complete the registration;

4. Click "New User Registration" on the right. If you have already registered, you can log in without registering.

5. On the user registration page, fill in the personal information to complete the registration according to the requirements on the registration page.

6. After the registration is completed, go back and log in directly.

7. After logging in successfully, select "Apply for Credit Information" on the page.

8. Check all the credit information, fill in the dynamic code received by the mobile phone, and then click "Submit".

9. Finally, the central bank will send the credit inquiry SMS verification code to our mobile phone within 48 hours, and we only need to enter the SMS verification code to obtain our own personal credit records, and the personal credit records obtained can also be ** down.

Precautions: 1. In the application for credit information, the identity will be verified, and we can use a variety of verification methods, such as bank card verification, digital verification code verification, question verification, etc., to verify in a way that is convenient for us.

2. When the SMS verification code is sent to our mobile phone, it needs to be checked and verified within 48 hours, and the verification code cannot be used after 48 hours.

The most direct and simple way is to go to the Bank of China to make a credit report, there are two opportunities a year are free, to see if there is a record of overdue continuous non-repayment, to see if there is a record of small loans, the main thing is to look at these, the main impact of credit is small loans and overdue.

Just go to the People's Bank of China and pull all your credit lists.

There are three ways to view personal credit information:

1. On-site inquiry at branches of the People's Bank of China;

2. Inquire through the self-service inquiry of personal credit report;

3. Log in to the official website of the Credit Information Center of the People's Bank of China for inquiries.

Go directly to the People's Bank of China to check and bring your ID card.

How to check personal credit in Credit China.

You can log on to the official website of the central bank credit information and check whether there is any problem with your credit through personal inquiry.

With the continuous popularization of financial knowledge, more and more people have begun to pay attention to their personal credit information. This is a good thing, because a person's credit will actively determine how easy it is for a person to survive in this society, and I personally feel that everyone needs to pay attention to their own credit information. Regarding some basic knowledge of credit reporting, I will take the opportunity of this topic to popularize it for you.

You can understand personal credit as a manifestation of personal credit.

Individuals can go to the official website of the central bank to inquire about personal information.

The results of an individual's inquiry are only reflected in the user's inquiry and application records.

How to check whether there is a problem with personal credit.

1. As the saying goes, if you want others to do well, you must first do it yourself. Before the company screens, bring the inquiry method of the personal credit report. Inquiry platform: Credit Information Center of the People's Bank of China.

After entering the query portal, click "Start Now" on the right.

Sign up After logging in, select your verification method and credit information.

Follow the prompts to next and submit. After applying, a personal credit report will be available the next day. If you don't know much about credit reporting, it is recommended to read the PDF file "Credit Report Strategy" in this link, which explains the basics of credit reporting in more detail.

Of course, in addition to the PBOC system, many banks' own online platforms can also carry out their own credit report pulling.

You send it, thank you.

Question: Can't you see?

Hello, these screenshots you provide can only show that you have applied for more business in the short term, but there has not been a problem of overdue default.

You can check the personal credit report through the People's Bank of China, and the personal credit report will show how many credit cards you have, whether they are overdue, and which banks.

If you want to check whether there is a problem with your credit, customers can log in to the official website of the "People's Bank of China Credit Information Center" on a computer browser, and then click to enter the "Internet Personal Credit Information Service Platform" to inquire about personal credit reports. If it is found that there is bad credit information such as overdue and cash-out recorded in the report, it means that there is a problem with personal credit. And if you don't find any bad credit information in the report, it is a good record, it means that your personal credit is fine.

In addition, customers can also go to the third-party data platform to check the personal online loan big data to see if there are bad records in the big data, if there are bad records in the big data, that person's credit is also problematic. Customers should pay attention to maintaining good personal credit, and when repaying credit cards and loans under their names, they should develop a good habit of repaying on time to avoid overdue, so as not to affect personal credit. And be careful not to apply for credit products too frequently, so as not to make credit information and cause long loans.

It can be queried through some machines or the Internet, and individuals can check credit, but do not check credit often.

Do not fill in the unit and address at will. Be sure to fill it out truthfully. Each change is recorded on the credit report.

Generally, there are three main categories:

1.Loan. Housing loans, commercial loans (such as apartments), credit loans, consumer loans, etc.

2.Credit card. Number of credit cards.

3.Other. For example, secured loans, etc.

This is the focus and the most informative place.

Here it is mainly to see if you have an overdue record. Whether you have a credit card that you have forgotten. Whether there is a record of online loans and small loans that you have forgotten to repay.

As soon as the number 1234567 appears here, you have to be careful. Because the number represents the number of months overdue. For example, 1 is 1 month overdue. 5, which means that it is overdue for 5 consecutive months.

"Repeat three or six", and the bank will put you on the loan blacklist.

Common Symbol Meanings Comparison:

"Not used this month.

n "Normal. Current Repayment Status" ", Current Past Due" - all indicate that the specific value is unknown.

c" In the case of non-revolving loans, it means settlement; In credit cards, it means account cancellation.

g" ends. Symbol "1"Indicates that it is overdue for 1 30 days;

The symbol "2" means 31 to 60 days overdue;

Symbol "3"Indicates 61-90 days overdue;

The symbol "4" indicates that it is 91,120 days overdue;

Symbol "5"Indicates 121,150 days overdue;

The symbol "6" indicates that it is 151,180 days overdue;

Symbol "7"It means that it is more than 180 days overdue;

Symbol "d"Guarantor repayment (means that the borrower's loan has been repaid by the guarantor, including the guarantor's repayment on time and the guarantor's partial repayment of the loan);

The symbol "z"(means that the borrower's loan has been repaid by way of debt repayment, which only refers to the debt repayment part).

4. Details of public information. For example, provident fund and social security contributions.

There are two categories: institutional inquiry records and individual inquiry records.

It's okay to check your personal records.

Post-loan management in institutional inquiries is generally okay.

However, the number of credit card approvals and loan approvals in the institution's inquiry record should not be too much in the short term. Otherwise, the bank will think that you are short of money and will reject your loan application.

Check your own credit records: first, check on the spot at the local branch of the People's Bank of China; the second is to visit the official ** application inquiry of the credit information center; The third is to apply for inquiry through online banking channels such as commercial banks authorized by the credit information center and China UnionPay APP client.

You can go directly to the local People's Bank of China Credit Information Center service hall to check personal credit records.

1. Find the location of the local People's Bank of China service hall first.

2. Prepare relevant items, such as ID card, bank card used when you have credit with the bank, some cash, etc. After that, bring these relevant items to the local People's Bank of China Credit Information Center service hall.

3. In the service hall of the Credit Information Center of the People's Bank of China, select any counter and submit an application to the counter service staff to inquire about personal credit records. Usually, when checking personal credit records at the Credit Information Center of the People's Bank of China, there are two opportunities for free inquiry every year.

4. After receiving the inquiry application, the counter service staff will ask the applicant to show his ID card and other materials. After the applicant gives the ID card to the counter service staff, the counter service staff will swipe the ID card on the card reader and enter the identity information into the system for matching verification.

5. After the matching verification is completed, the personal credit record will be displayed on the computer screen. Applicants can ask the counter service staff for the relevant credit information they want to know, or they can ask the counter service staff to help print a complete personal credit record report.

In addition to directly going to the service hall of the People's Bank of China Credit Information Center for inquiry, you can also check personal credit records on the official website of the People's Bank of China Credit Information Center.

1. First open the official ** of the Credit Information Center of the People's Bank of China, and find the "Core Business" module in the middle of the **.

2. Find "Internet Personal Credit Information Service Platform" in the core business module, and then 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.

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

You can go to the counter of the People's Bank of China's business branch where the user is located to check the personal credit report.

People do not stand without trust, and credit is no trivial matter. In daily life, credit card use, loan application, and corporate financing are all inseparable from credit reporting. The importance of credit records, an "economic identity card", has become more and more prominent.

The development of the credit industry is a common practice in the international community. In China, the credit report is an objective record of the credit activities of the information subject, and it is to help the credit grantor to judge the credit status of the information subject.

2 After entering the page, click on the [Stool to Scumbag Credit Report] in the life of the convenience smile.

3 On the new page, Zao quietly clicks [Free Application Query].

China has gradually become an era of openness and transparency of personal credit, and a person needs to check his or her own personal credit when doing many things, and the quality of personal credit has become more and more influential on the individual's life. As a result, personal credit has slowly become a thing that more and more people are concerned about, but many people want to know their personal credit information but do not know how to inquire, and now I want to explain to you how to know whether there is a problem with their personal credit information.

First of all, the most convenient and fast way to inquire is to find the official website of the People's Bank of China on the Internet, register a personal account in the official website of the People's Bank of China, select personal information services in the official website of the People's Bank of China, and follow the steps prompted by the official website to verify your identity, and after successful identity verification, you can query your personal credit record。In this, you can know whether there is a problem with your credit status.

Another way is to go directly to the local People's Bank of China counter to make inquiries, we should prepare our own ID card and a copy of the ID card, you can go directly to the local People's Bank of China counter for personal credit business inquiry, directly in the People's Bank of China after the inquiry, you can directly add personal credit records through paper can be printed, so that we can also know whether there is a problem with our credit information.

However, we should not check our personal credit records too frequently, because we may check personal credit records when handling business in many financial institutions, such as applying for credit cards in banks, or applying for approval of online loans on online loan platforms, and these personal credit inquiries will be recorded in the personal suggestion system. Too frequent personal credit inquiry records are likely to affect the approval of personal loans, so we should not check our personal credit records too frequently.

If you want to know that there is no problem with your credit information, then we can go to the bank to inquire, you can also go to the special ** to inquire, you can also go to the wealth management product to inquire, you can also go to the web page to inquire, or go to the local credit self-service inquiry machine to inquire.

You can go to the bank to check your credit, or you can go to the Bank of China to check the credit, but don't check too much, too much inquiry will also have an impact on your credit information.