How to check the personal credit inquiry of the credit information center

Operation method: 1. Open the credit information center of the People's Bank of China.

The official personal credit information service platform**.

2. Fill in your relevant information and register.

3. Fill in the password to log in.

4. Click "Information Service" and click "Apply for Credit Information".

5. Select the verification method, select the credit information, and click Next.

After an hour, log in to the official website of the credit information center again to inquire.

Impact of overdue credit investigation:

1. You can no longer apply for interest-free loans subsidized by ** or bank subsidies, and interest-bearing loans may also be rejected by the bank when applying. Because of the stain on the credit report, the bank will not issue the loan for risk control considerations.

2. If the credit investigation is overdue, the huge amount will also constitute a scope of behavior because of "malicious overdraft".

3. If the credit investigation is overdue for too long, it will be blacklisted by the lending institution.

They will also be sued in court once the court enforces it.

It will affect the assets of the individual.

4. If the situation is serious, it will also be restricted from high consumption.

and how to get around.

1. Open the official ** of the People's Bank of China Credit Information Center's Personal Credit Information Service Platform.

2. Fill in your relevant information and register.

3. Fill in the password to log in.

4. Click "Information Service" and click "Apply for Credit Information".

5. Select the verification method, select the credit information, and click Next.

After an hour, log in to the official website of the credit information center again to inquire.

Extended Information: How to Check the Big Data Report of Online Loans?

1. Through the online loan big data credit report query system, such as Qinggou Quick Check and Eagle Heart Quick Check, you can view your own online loan record data, and the online loan credit inquiry system can query the online loan blacklist, online loan application records, and overdue records.

2. Check your online loan records, whether they are in the blacklist, whether there are overdue records, and all the data can be known at a glance.

3. Through the big data analysis of online loans, you can query the credit risk information of the parties with one click, including the online loan overdue blacklist, fraud suspect list, comprehensive credit overdue list, and multi-channel long. Loan application information and multi-platform cross-verification information can quickly identify low-credit customers and loan fraud risks.

4. Personal loan records, personal online loan records, personal long loan records, etc., all kinds of data can be known at a glance. The platform has a variety of big data reports, covering the data of major online loan platforms across the country, and checking your own loan records, overdue records or loan rejection records in 1 minute.

The personal credit inquiry login portal of the credit investigation center is: People's Bank of China Credit Information Center.

The specific query steps are as follows:

**, and then click Enter.

2. After entering, find the "Internet Personal Credit Information Service Platform" and click to enter.

3. After entering, find "Start Now", and then click to enter.

4. Enter the login screen and enter your username.

Password and verification code, click Login.

5. After logging in successfully, enter the personal page, check the credit report under the application credit information column, and click to get dynamic password.

6. Enter the dynamic password of your mobile phone and click Submit.

7. After receiving the identity verification code, enter the Get Credit Information page and check the personal credit report.

Enter the verification code and click Submit.

8. After submission, you can see the personal credit status on the credit report page.

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 on the personal credit report query on the left, and select the authentication method to verify the question.

3. For the next few verification questions, the system will prompt you to notify the result by SMS after 24 hours after completing the inspection.

1. Credit inquiry:

The purpose of the construction of the personal credit reporting system is to facilitate the public and provide services for all walks of life, but in the actual inquiry, there is a puzzling phenomenon: some grass-roots banking financial institutions cannot charge fees due to the trouble of inquiry, and some are afraid of taking responsibility, so they need to be signed and approved by the leader or shirk on the grounds that the network is not accessible and cannot be inquired, and even more so, the inquirer is rejected because he does not have the authority to inquire. Some netizens pointed out that as the builders of the personal credit reporting system, the county-level branches of the People's Bank of China at the grassroots level do not have the authority and port to inquire about them, and they are helpless in the face of inquirers.

Personal untrustworthiness is caused by a variety of reasons, in addition to conclusive malicious untrustworthiness, there are also a considerable number of bad credit caused by negligence. Many people are still very unfamiliar with the word "credit investigation", and one negligence will be untrustworthy. In addition, when promoting credit cards, bank staff often talk about their various benefits and are vague about the obligations and consequences of default, resulting in customers not paying enough attention to the credit stain caused by late repayment.

In addition, some objective factors can also lead to the occurrence of untrustworthy behavior, such as the change of the party's repayment due to the upgrade of the banking system. Some netizens pointed out that negative information in personal credit records will be kept for 7 years abroad, while corporate and personal bankruptcy records will be kept for 10 years. But in China, there is no clear legal requirement for how long negative information should be retained in an individual's credit records.

According to the operating procedures of the personal credit reporting system, after the credit reporting management department of the People's Bank of China accepts the objection application, it shall immediately transfer it to the credit information service center of the People's Bank of China, and then transfer it to the corresponding commercial bank for investigation, and then reply to the credit information service center after inquiry and verification, and then return to the credit information management department of the local People's Bank of China, and then notify the applicant. There are many links in this process, and most of the commercial banks have overdue deadlines in the investigation, resulting in an excessively long processing time for objection applications.