How to check personal credit records, how to check personal credit records

1. First, open the official ** of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China, and enter the username and password to log in.

2. After logging in, click Personal Credit Report Inquiry on the left, and select Question Verification as the authentication method.

3. After the next verification questions are completed, the system will prompt you to notify the result by SMS after 24 hours. Remember the tracking code and use it the next time you look at your personal information.

4. At the same time, you can also query the summary information and submit an individual application, and the result will not be available until the next day.

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.

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

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

How to check your personal credit report.

How to check personal credit? At present, there are two main ways to inquire: first, on-site inquiry; 2. Online inquiry. The online inquiry method is divided into several categories, and different apps provide inquiry services to obtain personal credit reports.

1. On-site inquiry

I can bring my original ID card to the local People's Bank of China for direct inquiry. At present, there is a special self-service inquiry machine, no need to queue up manually, relatively convenient.

2. Online inquiry.

Online inquiries are relatively simple and can be done at home. Take online inquiry as an example: log in to the official website of the Credit Information Center of the People's Bank of China (, click on the home page of the Internet Personal Credit Information Service Platform to start now.

For the first inquiry, you need to click on the novice registration on the right, follow the prompts, fill in the relevant information, and the registration will be successful. Go back to the home page to log in, and click Security Level Change after logging in. Two ways to verify:

Bank card verification and digital verification, follow the prompts to submit and you can roll over and regret.

Method 1: China Merchants Bank inquiry, the easiest and most convenient.

The mobile terminal of the mobile phone series is an iPhone or Android smartphone, the iOS system version needs to be above, and the Android operating system version needs to be above Dazheng, taking China Merchants Bank APP as an example.

3) After the report query result is obtained, CMB will send you SMS and email to notify you as soon as possible. Click on the link in the notification SMS, you can invoke the China Merchants Bank APP, and directly enter the "Personal Credit Report" to view the personal credit report.

Method 2: Online banking inquiry.

China Merchants Bank and China CITIC Bank are the pilot units of the People's Bank of China's Credit Information Center for online credit report inquiry, and customers who hold personal online banking of China Merchants Bank and China CITIC Bank can log in to the bank's personal online banking to inquire about credit reports.

Method 3: Check the official Internet of the central bank's credit information center.

1) Visit the official ** of the People's Bank of China Credit Information Center.

Click "Internet Personal Credit Information Service Platform" in the "Core Business" module on the homepage

2) Click on the target "Start Now", note here that the central bank reminds that the central bank now only authorizes the mobile banking app of China Merchants Bank to inquire, and it is illegal to check the central bank's credit on any other app.

3) Complete user login, if it is the first time to use it, a new user registration is required.

Inquire through official credit bureaus: People's Bank of China Credit Information Center (PBOCCREDIT), Central Bank Credit Information Center, etc. 2.

Tongtang has photographed credit card service inquiries: such as Alipay, WeChat, and bank card inquiries, you can check your credit card usage records, bill repayment records, etc. Before making an inquiry, you need to prepare your ID card, mobile phone number, bank card number and other relevant information, and comply with the terms of service of the credit bureau and relevant regulations.

1. When will the bank check the credit information?

For any business involving loans or credit cards, banks and other financial institutions will inquire about the customer's credit information with the authorization of the individual. For example, applying for commercial loans, housing loans, car loans, credit cards, etc.

1. Pre-loan inquiry: Every bank must inquire about personal credit before approving a loan or credit card, which is a requirement of the regulator for commercial banks.

2. In-loan and post-loan inquiry: Before the loan or credit card business is terminated, the bank will also inquire about the customer's personal credit information for the needs of risk management and quota adjustment.

2. What is the impact of bad credit on individuals?

In addition to affecting bank loans and credit card applications, bad luck may also affect personal work and life

1. Blocked entry.

Some large companies will conduct background checks before employees are hired, and personal credit checks are one of them, and if you have a credit stain, it may make HR question your character and thus be passed.

2. Life is restricted.

Long-term overdue will cause the bank to sue you as a dishonest person subject to execution, affecting all aspects of life, such as: you can't book star-rated hotels, air tickets, etc., you can't buy luxury whispers and other high-consumption behaviors, restrict, buy a house, leave the country, and the vehicle under your name can't get on the highway.

3. How to check personal credit records.

For those who do not need to apply for a loan or credit card, it is also recommended to check the credit report at least once a year to understand their own credit information, avoid others from fraudulently using their own identity to obtain loans, and understand whether there is wrong information and inquire about personal credit status in violation of regulations.

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.

Since January 15, 2016, the fee standard for individuals to check their personal credit reports at the counter has been reduced from the current 25 yuan to 10 yuan each time from the third time each year, and the inquiry through the Internet and the first two inquiries at the counter each year will continue to be free of charge.

It is very important for everyone to check their credit history. If you have a bad record on your credit record, it may be difficult to borrow money to buy a house in the future. So, how to check personal credit records?Let's take a look at it.

How to check the application history:

1. Click. Enter the credit information center, click on the personal information service platform in it, and register;

2. After the registration is completed, return to the original interface, select Login, click the information service on the left to apply for credit information Check the report that needs to be queried (it is recommended to select all) Identity verification;

3. After the verification is completed, the identity verification code will be sent to the applicant's mobile phone within one working day, and after receiving the verification code, log in**, click on the information service on the left to obtain credit information, and enter the verification code to check the credit report;

There are several ways to verify your identity:

2. Digital certificate: verified by the online banking key (U shield) of some banks you use;

3. Bank card: Verify the bank card of some of the banks you use.

If you want to check personal credit information, you can log in to the official website of the central bank credit system, if you can log in directly, you need to register an account for the first time, click on the new user registration, and then enter the name, ID number, verification code, and you can log in after registration. In addition, you can also choose to go to the local People's Bank of China for inquiries, and you only need to bring your ID card to the counter for inquiries.

Other methods. You can click on the application for credit information after logging in, and then select the verification method, there are three options, namely bank card verification, digital certificate verification, question verification, choose a verification method that suits you, and then select the information you want to query, which are also three, which are personal credit information prompts, personal credit information summary, and personal credit report, these three options can all be selected to close the base, and then click Next.

Take bank card verification as an example, click Next and select Get UnionPay verification code, then enter the bank card number, name, ID number, and mobile phone number reserved when handling the bank card on the pop-up page, click Submit for verification, the verification code will be prompted, and then return to the application for credit information, enter the verification code, and then click Submit, the verification code will prompt you to enter the identity verification code, and then the mobile phone will receive the identity verification code, and you can query after entering.

Additional Information. In order to facilitate credit inquiry, the People's Jiaohe Bank has set up special inquiry machines in many commercial banks, which can query and print reports. It is more convenient to print the letter report or to print it on paper, and the general bank requires paper for reference.