How to check personal credit information

You can log in to the People's Bank of China personal credit reporting platform to inquire, or you can go to the People's Bank of China counter or self-service machine to inquire!

Personal credit is very important now, and we can directly talk about the information on personal credit information, or we can inquire on the mobile phone through online banking.

Personal credit is closely related to our lives, from buying a house and a car, to traveling abroad, there are many institutions that will refer to your credit record. If you have a bad credit record, it can have a big impact on your plans. It is possible that the visa cannot be processed, and the loan request may not be approved. In short, there will be all kinds of troubles, but there are still many people who don't know how to check their credit records, and the next article will teach you how to check your personal credit records.

At present, there are two types of personal credit: paper credit, also known as detailed credit; Electronic version of credit reporting. The first is the inquiry method of paper credit information:

Check with your local People's Bank of China or a bank authorized by the People's Bank of China. If you don't know where you can check paper credit in the local area, you can check the local outlets on the local treasure. This method is suitable for people who are older and will not be proficient in using electronic software.

The electronic version of the credit inquiry may be relatively more convenient, suitable for young people who are busy and unwilling to go far away. You only need to log in to the official **, which is officially authorized**, you can log in with confidence and don't have to worry about information leakage.

Here is another popular science for you.

First: It's not good to have a credit record. Because if you want to buy a car and buy a house and go to the bank for a loan, the bank does not look at how many records you have.

Instead, considering your comprehensive situation, combined with your salary income and bank statement, as long as your bank flow is good and you repay normally, the bank will not affect your loan.

Take your ID card and go to the local People's Bank to check it. Since the Internet is rampant now, in order to prevent those bad companies and individuals from impersonating your identity to take out loans, frequent inquiries about your credit can effectively avoid this situation, and it can also be detected and solved early.

1. The central bank can go to two places to inquire about personal credit reports, the first is the local head office of the central bank, directly bring your ID card and your own valid documents, you can go directly to the head office of the bank to find the customer service manager to fill in the application form (the application form must be filled in truthfully) and then you can handle the business of you want to inquire about personal credit. Another is that each place is different, and in some places, the central bank has set up a credit management department, and it is okay to bring your own valid documents to inquire. And preferably print it out.

2. If you have overdue records on the Internet or have loan records on multiple platforms, then your various records will be controlled by big data, and your application for loans will be frequently rejected, and even your Huabei borrowing will be closed. If there is an abnormality in your online black big data, you can pay attention to Cha Zhengbao to enter and view, you can obtain your own big data and credit situation, and you can also obtain various indicator data, such as blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, and other important data information.

How can I inquire about my personal information? OK. OK.

How can I inquire about my personal information? OK. OK.

2. Find a friend, and then chat with this friend, that is, enter the chat interface;

3. In the chat interface, find the bottom of the phone, there is a "+" on the right and click it directly to enter a number of functional applications;

4. Click the location icon directly to enter the location positioning interface. There are two options here: send location and share live location. This should be based on your own choice, at this time to share your real-time location with your friends;

It's okay to bring your own valid ID to check. And preferably print it out.

1. Inquire about personal credit records of the local central bank; You can bring your ID card to the local central bank branch for inquiry, you can choose the counter or self-service inquiry machine, this credit report has the last five years of loan records, loan amount, loan term, bad information, etc., but it should be noted that if you often go to the bank to check, you will be monitored by the bank, so as not to affect personal credit.

2. **To inquire about personal credit records, please choose a large financial institution, the content of Baihang credit information is more detailed than the data of the credit information center, and the content is richer, whether it is authority or accuracy, Cong Hao is more reliable, and personal credit records can not be wrong.

1. Water bills, ** fees and other related expenses will have a certain impact on your credit, so please pay attention to some small details in your life.

2. The borrower has too much debt. Most of them, on mortgages and mortgages, will be recorded in their credit history.

3. The borrower applies for a delinquent personal loan. If there is a situation where the payment is overdue or the guarantor repays on behalf of the guarantor; Loans that are used to pay off debts and mature within two years will be included in the list of dishonesty.

4. The borrower's credit card expires. This is one of the most common ways in which the card holder forgets to pay back, or if you owe more than six times within a year, it will be recorded.

1. Affect other loans. In the process of loan review, the credit status of the borrower has always been the most concerned issue for the bank, because the general person with a bad credit status cannot apply for a loan from the bank or microfinance company, and even the loan and car loan will be rejected.

2. The work has been disturbed. Many companies will let employees fill in their credit history, if the credit history is not good enough, it is difficult to be hired, and people who are included in the credit blacklist cannot participate in any work, cannot participate in any work, cannot participate in any work, cannot participate in any work, and cannot get the best funding.

3. Traffic is blocked. Once Liquid Sui is on the blacklist of the credit information system, then his travel will become very troublesome, even if he drives his own car, the toll booth on the highway will be detained, and he will also be included in the credit blacklist, so his train tickets and air tickets cannot be bought.

The above is the answer to the question of how to check the personal information of credit and related questions, I hope mine can satisfy you and provide you with some ideas for your questions.

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

Enter the personal credit information service platform, register and log in, and follow the page prompts to operate the loan, this method is more commonly used, but the results cannot be obtained immediately, and it generally takes 24 hours to get the personal credit information report the next day.

It mainly includes Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, Guangfa Bank, Bohai Bank, Ping An Bank, Everbright Bank, etc.

A mobile payment software launched by China UnionPay, but the query pilot service is only available in Shanghai, Guangzhou, Shenzhen, Hangzhou, Chongqing, Nanning, Changsha and Fuzhou for the time being.

4. Offline operation of the self-service inquiry machine of the pilot commercial bank.

Some of the above-mentioned commercial banks have business outlets that provide a "personal credit self-service inquiry machine", click on the personal credit report on the self-service inquiry machine, put the original ID card, and follow the page prompts to inquire and print out.

5. Go to the local People's Bank of China branches, sub-branches and business management departments for inquiries.

For example, the Shanghai branch of the People's Bank of China, the Changsha Central Branch of the People's Bank of China, the Beijing Business Management Department of the People's Bank of China, etc., there are 36 branches in the country.

If you want to check your credit information, you can take the certificate directly to the People's Bank of China to print, or check it on the official website. Search for "Credit Information Center" and enter the official website to enter the official website, click on the home page, log in according to the password and account, select the information service on the left and enter the option to obtain credit information, and you can query the credit information after submitting the verification code.

To view personal information of credit information, you can directly bring your documents to the People's Bank of China to print, or enter the official website through the Chinese Credit Information Center, which is more convenient and faster.

<> click "Start Now" on the right side of the page to log in with your password. If you don't have one, you need to register with your ID card first, and then enter your password to log in after registration.

After logging in successfully, click "Information Service", and there will be an option of "Get Credit Information" below, and you need to enter the pre-application inquiry verification code, which needs to be applied for in advance at the credit information center.

After submitting the verification code, you can check the credit information, and the account and credit card, as well as each credit type and information will be displayed on the homepage.

If you inquire about personal consultation, under normal circumstances, the time to check personal credit is still relatively short, and you can know the result immediately, which can be queried in the following ways: (Browser Computer: MacBookPro MOS14 Open Google version.)

1. On-site inquiry of personal credit report Now many banks can directly inquire about personal credit, generally speaking, if you are ready to buy a house, want to check personal credit before this, then you can bring your original valid ID card ID card to cancel Kaiyuan print Personal credit report personal inquiry application form, directly go to the local People's Bank of China branch, credit investigation sub-center to inquire on it.

2. Online query of personal online loan big data and credit blacklist, etc. If you have overdue records on the Internet or have loan records on multiple platforms, then your various records will be controlled by big data, and your online loan platform will be frequently rejected, and even your Huabei loan will be closed. If there is an abnormality in your online black big data, you can access your own big data and credit status on the WeChat public platform: Baichaxin, and you can access your own big data and credit status, you can obtain various indicator data, query your personal credit situation, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, and other important data information.

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