Where can I check personal credit for free

1. Bank of China credit report.

You need to bring your ID card to the local Bank of China branch to inquire, and the HU credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past 5 years.

With UnionPay Center, users can query their own big data and credit status, obtain various indicators, and inquire about their personal credit status, network black index score, and blacklist.

Situation, online loan application records, type of application platform, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information, etc.

Extended Materials

At present, it is mainly used in various consumer credit businesses of banks.

With the social credit system.

With the continuous improvement of credit reports, credit reports will be more and more widely used in various fields such as commercial credit sales, credit trading, recruitment and job search. In addition, a personal credit report.

It also provides a way to check and standardize one's own credit history behavior, forming a verification mechanism for personal credit information.

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.

Credit Information. 1. Basic personal information that can be used to identify personal identity and reflect personal family and occupation;

2. Personal credit information formed by the credit relationship between the individual and the financial institution or the housing provident fund management center;

3. Personal credit purchase and payment information formed by the credit purchase relationship between individuals and commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, administrative affairs enforcement organs, and judicial organs in the course of exercising their authority;

5. Other information related to personal credit.

The impact of bad credit records.

1. Affect 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.

2. Affect travel.

If there is a bad credit record, the previous overdue repayment will be included in the credit reporting system.

Personal mobility will also be affected. For example, you can't take planes, trains, etc.

3. Affect employment.

Many large companies will conduct a background check on you before you join the company.

If you find out your bad credit record, there is definitely no way to get hired.

4. Affect the family.

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.

First, the front. If you want to query online loan big data, you usually inquire at some private inquiry systems and third-party platforms.

2. Specific analysis.

There are a lot of private inquiry systems, and we should pay more attention to them when choosing, and choose those regular and large-scale institutions, which are generally used in the industry to do pre-loan review on the platforms of Beijian Quick Check, Xiaoqi Xincha, and Tongdun Data. Because small organizations are generally unreliable, if personal information is leaked, it can also cause security risks.

If you want to check the credit of the central bank, you can directly bring your ID card to the local central bank credit information center for inquiry; You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to the official website of the central bank directly on the computer to make inquiries.

The central bank's credit investigation and online lending big data are basically unrelated. If you apply for an online loan, you will mainly focus on big data and platform risk control; The application for bank loans and loans from lending institutions and platforms that are connected to the central bank's credit information system are mainly based on the borrower's central bank credit report.

You can get the online loan big data report from the platform "Beijian Quick Check", which contains information such as online loan history, online loan overdue details, debts, untrustworthy information, and online loan blacklist.

3. Can I get a credit card online loan overdue?

The overdue online loan, regardless of whether it is on the credit report or not, mainly affects the follow-up borrowing of the online loan and the user's personal credit, as for the credit card being used, it is basically unaffected.

The use of credit cards is not affected, it does not mean that the amount increase is not affected, because the credit card limit should be checked by the user's credit information, and the overdue record in the credit report will indeed affect the credit card increase.

If the overdue record of the online loan is uploaded to the online credit investigation and the credit investigation of the People's Bank of China at the same time, the user will not be able to apply for the online loan in the future.

Go to the People's Bank of China branch counter or inquire through the personal credit self-service inquiry machine.

Policy banks: including the Export-Import Bank of China, the Agricultural Development Bank of China, and the China Development Bank. Responsibilities:

Equity participation or guarantee, not for the purpose of profit, specifically for the implementation and cooperation of the best social and economic policies or intentions, in a specific business field, directly or indirectly engaged in policy financing activities, as a financial institution to develop the economy, promote social progress, and carry out macroeconomic management tools.

The following are the ways to check personal credit:1Personal Credit Information Center of the People's Bank of China:

After registering on the official website of the Personal Credit Information Center of the People's Bank of China (PBOCCREDIT), you can check your personal credit report. 2.Official website of the credit bureau:

According to the Measures for the Administration of Credit Investigation published by the China Banking Association, credit reporting agencies must provide individuals with an opportunity to inquire about credit reporting on their official websites. At present, the domestic credit investigation agencies include: People's Bank of China Personal Credit Information Center, Baihang Credit, Sesame Credit, CreditEase, etc.

Note: Each credit bureau may have a slightly different inquiry method, and you need to understand the specific inquiry channels and processes before making an inquiry. In addition, you can check your personal credit report once a year, so please use the opportunity with caution.

You can check your personal credit through the following channels:1People's Bank of China Personal Credit Information:

The official website of the Bank of China Credit Information Center: Alipay Sesame Credit: Ant Borrow:

In addition, each user registered with a credit bureau can check the credit report of the agency once in each calendar year.

<><4. On the "All" page, click on the "Personal Credit Report" icon according to the guidelines.

5. Enter personal information on the "Personal Credit Report" page according to the instructions, and then click on the "Free Application Query" column.

<>7. You can view the details of the "personal credit report" you have applied for.

"There are three ways to check personal credit for free: first, you can check on the spot at the local branch of the People's Bank of China; The second is to log on to the official website of the Credit Information Center of the People's Bank of China for inquiries; The third is to inquire with commercial banks authorized by the People's Bank of China. ”

You can bring your ID card to the lobby of the local People's Bank of China branch, where there are self-service inquiry machines. Follow the prompts to query and print.

Personal credit can be checked free of charge through the Internet. Computer: Lenovo computer Tianyi 510s.

System: Windows 10.

Software: Microsoft.

1. Open the People's Bank of China Credit Information Center**.

2. Click [Internet Personal Credit Platform] on the homepage.

3. Click Start Now.

4. The first query requires [New User Registration], and then [User Login].

5. After logging in, click [Credit Service] [Apply for Credit Information] on the left; Select Credit Information - Enter the mobile phone dynamic code, and click [Submit].

<>6. After submission, the system will prompt you to obtain the credit report after 24 hours.

Personal credit records are very important for everyone, and they are even known as "second ID cards". In recent years, more and more illegal projects have been listed as requiring "credit reporting", and the radiation scope of the impact of bad credit records is gradually expanding, and many people have begun to care about their credit reporting. Occasionally, you can see apps or mini programs on the market that claim to be able to "check credit information", but in fact, the credit information center does not authorize any third-party application (APP) to provide personal credit report inquiry services.

So how should you check your personal credit report safely?

Method 1: Bring a valid ID card and a copy to the branch of the People's Bank of China where you are located, and submit the inquiry application report for inquiry.

Method 2: The specific steps are as follows:

1.Open the official website of the "People's Bank of China Credit Information Center" in your browser. 2.Click on "Internet Personal Credit Information Service Platform" in the "Core Business" section of the homepage

If you want to inquire about the personal credit report, you only need to bring a valid personal identity document to the branch outlets of the central bank for inquiry, and the counter or self-service inquiry machine can be completed, but before the inquiry, you must fill in the "Personal Credit Inquiry Application Form", and the report content shows the loan record, loan amount, loan term and negative information data in the past 5 years, and you can print and save it if necessary. for next review.

Nowadays, there are many big data systems on the market that can provide queries, but it should be noted that try to understand the larger platform institutions, because the larger platform institutions are relatively reliable in terms of authority and accuracy, because the reports issued by professional institutions are more diversified and the data reports are more detailed, because the personal credit report is very important for us, and there is something that we don't understand, you can search for dumb data to get the personal credit data report, just search for it on the homepage of Weixing.

At present, the state is building an all-round credit network without dead ends, connecting the society, information sharing, whether it is a personal credit report or a personal credit record will be recorded, as one of the important parts, so protect personal credit, because in the future without credit, it is difficult to move an inch.

Make on-site inquiries at the local People's Bank of China branch.

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

3.Go to a commercial bank authorized by the People's Bank of China to make an inquiry.

The above methods can check personal credit for free.

I hope it can help you, if you think it's good, like and support it!

Hello: To inquire about personal credit reports, go to the People's Bank of China or the self-service machine of the People's Bank of China to check the commercial bank before the second inquiry (personal version) is free of charge, and the third and more than three inquiries need to be charged (10 yuan). If you want to inquire for free, you can check it through the Internet or the mobile banking or online banking of some commercial banks.

These are all free of charge.

If you want to check personal credit is actually very simple, you can go directly to the local central bank (People's Bank of China Credit Information Center) branch counter or self-service inquiry machine can be completed, but the number of inquiries should not be frequent, so as not to misunderstand that your credit information has problems and avoid affecting your personal credit dimension. If necessary, the report can be printed and saved in case of emergency.

Nowadays, there are many systems on the market that can provide query agencies, and the content issued is relatively comprehensive, and the reports are also very diverse, but to choose a larger institution, because of the particularity of personal credit, so we must be cautious, whether it is authoritative or accurate is relatively high, you can search for dumb data on the home page of the micro line.

In daily life, we should also pay attention to personal credit, in today's modern times, not only credit is very loan-linked, but even our living expenses, daily travel will be personal credit records, as a strong basis. In the future, the credit of each of us will be another of our economic identities, vital and not to be ignored.

Hello, now as long as you check the personal credit report of the People's Bank of China, all of them are free, but only three times a year. You can bring your identity documents to the business hall of the local People's Bank of China to print your personal credit report for free.

When inquiring about credit, you can go to commercial banks, branches of the People's Bank of China in various places, the official website of the People's Bank of China, etc., and will not charge any fees when inquiring, requiring users to show valid personal identification, and printing credit reports twice a year after inquiry is free, and a certain fee will be charged when printing again in the future.

Personal credit inquiries can be handled at the local credit information center of the People's Bank of China, and there are free times every year, as long as they are free within the number of times, and they will be charged after exceeding.

The People's Bank of China can check personal credit for free, but each person only has two times a year, which exceeds the need to pay a fee to check.

Free inquiry to the People's Bank of China, free printing 2 times.

Online lending platforms do not check personal credit reporting.

You can check personal credit information for free in the following three ways: first, you can go to the local branch of the People's Bank of China to make inquiries on the spot; Second, log in to the official ** of the People's Bank of China Credit Information Center for inquiries; Third, go to a commercial bank authorized by the People's Bank of China to make an inquiry.

Extended information: 1. Conduct on-site inspections of branches of the People's Bank of China, and when making on-site inquiries, you need to bring the original and photocopies of your valid identity documents, fill in the "Personal Credit Report Inquiry Application Form" on the inquiry website, and submit the inquiry application.

2. The specific steps of the online inquiry are as follows: 1Open the official website of credit information, select the Internet personal credit information service platform to enter the official website of the People's Bank of China Credit Information Center, and click "Register" in the upper right corner;

2.Register an individual and log in to the personal credit reporting system;

3.Fill in the supplementary information of the user and click "Submit";

4.After logging in successfully, click "Information Service" and select "Security Level Change".

5.Select "Get Credit Information" in the information service to get a personal credit report.

It should be noted that the credit information system of the People's Bank of China is free of charge for the first two inquiries every year, and the last two inquiries are 10 yuan. If the information reflected on the platform is not enough to verify your identity, it may be because you have not applied for a credit card before and need to go to ** to inquire.

3. You can go to the commercial bank authorized by the People's Bank of China for consultation.

According to the "Interim Measures for the Management of Basic Personal Credit Information Databases", some commercial banks authorized by the People's Bank of China may also inquire into personal credit information when handling credit business for customers. However, commercial banks shall obtain the written authorization of the person being inquired into before making inquiries into personal credit information. Therefore, when a commercial bank inquires about personal credit information, in addition to the individual's valid documents, it should also carry the standard "Personal Credit Information Inquiry Authorization Letter".

Specific formats and standards can be obtained from the People's Bank of China and other institutions.

Credit reporting refers to the collection, sorting, preservation, and handling of credit information of natural persons, legal persons, and other organizations in accordance with law, providing services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks, and carry out credit management activities. From "Eight Years of Zuo Summoning the Public", "The words of a gentleman must be enlisted, and the grievances are far away from the body". Among them, "letter signature" refers to the ability to verify its integrity, or solicit and verify credit.