How do I check my credit report?

<>2. Find the "Internet Personal Credit Service Platform" on the page, and then click on it.

3. Click "Start Now".

4. Enter the login, password, verification code, etc., and click "Login". If not, click Register, and you need to enter your ID card, mobile phone number and other information to register.

5. Enter the query page and click "Login" in the "Newbie Navigation".

6. Select the verification method in the "Application for Credit Information", there are three verification methods: bank card, digital certificate, and question verification. Here select "Card Verification" and click "Next".

7. The system prompts you to click "Get UnionPay Verification Code".

<>9. Successfully obtain the UnionPay authentication code and copy the authentication code.

10. In the upper menu, fill in the obtained verification code, fill in the verification code, and then click "Submit".

11. After the submission is successful, the page will be displayed as follows, and then you will wait for the SMS.

12. When you receive a text message on your mobile phone, log in to the webpage again, click "Get Credit Information", fill in the "Identity Verification Code", and then click"Submit".

13. The format of the "personal credit report" is as follows.

1. You can inquire about credit information, the number of inquiries and other contents in three ways, in addition to credit records, personal credit information, and you can go to the bank to inquire with your ID card;

2. Inquire through some bank ATMs or **;

3. Log in to the credit information center of the central bank**, and some banks in Beijing have also launched self-service credit report inquiry machines;

4. Register and submit an application for inquiry

According to the current regulations, the first two times of the individual credit report inquiry is free of charge, and the third or more inquiry will be charged a service fee of 25 yuan, credit card overdue records or quasi-credit card overdraft records for more than 60 days.

"1. Credit inquiry of the central bank.

The People's Bank of China Credit can be said to be the most authoritative and influential credit information system at present. The first is to bring the original and copy of your ID card to the surrounding People's Bank of China Credit Information Center for on-site inquiry. Another way is to log on to the official website of the People's Bank of China Credit Information Center, enter your name and ID number according to the prompts, and wait for the electronic version of the credit report.

In addition, it is reminded that the number of inquiries of the People's Bank of China should not be too much, and it is enough to know 1-2 times a year, otherwise it will cost you your personal credit.

2. Online system inquiry.

Nowadays, there are many online loan big data systems on the market that can provide blacklist queries, for example, you can search on WeChat on your mobile phone: in-depth investigation of data, and you can get your own online loan big data credit report for the first time. It can also detect the blacklist index of personal online loans, as well as conduct detailed analysis of online loan big data.

After entering the blacklist of online loans, it will have a very bad impact on our lives, and when we encounter an economic crisis again in the future, we will no longer be able to obtain loans with good credit, so we must pay attention to this problem.

Hope it helps. "

How to apply online to check your personal credit report.

How to check personal credit information.

My counter inquiry: bring my valid ID card and go to the local credit management department of the People's Bank of China (generally there is only one bank agency in a city), and now the robot face recognition automatically prints the credit report. Inquire about fees:

Free for 2 times, 10 yuan for the third time for the next year (unlimited, but don't check often).

My online inquiry (the online inquiry belongs to the simplified version, and there is no detail of the counter inquiry): People's Bank of China Credit Information Center**:.

Authorize a third-party agency to inquire (choose carefully): Generally, when you buy a house, buy a car, take a loan or take out an online loan, you authorize relevant financial institutions to check your credit, which is a pre-loan inquiry record, and if you check the record too many times, it will affect your loan. Think about how you are often inquired about credit by financial institutions, but you can't get a loan (although you sometimes don't necessarily inquire for the purpose of a loan, you may be misled by some salesmen or click on the authorization of relevant financial institutions on the Internet at will), but when you really need a loan, will the financial institution refer to your pre-loan inquiry times?

Personal credit reports include information:

1. Basic information of the individualThe basic information of the individual mainly includes name, ID number, home address, work unit, etc.

2. The loan information of the bank The hidden loan information mainly includes how much He Bi borrowed from which bank he was late, how much he repaid, how much he still did not repay, and the monthly repayment.

3. Credit card information: Which banks' credit cards have the lender handled, the overdraft limit of the credit card and the record of personal repayment, etc.

4. Information on opening a bank settlement account The information of opening a bank settlement account mainly includes: account opening name, certificate number, opening bank**, account opening date, etc., excluding the deposit and withdrawal, transfer payment and balance information of the settlement account.

5. Records of credit reports being queriedUsually, the computer will automatically record "when, who, and for what reason" the individual's credit report was viewed. With the gradual advancement of the construction of the database, in addition to the above information, the personal credit report will also record personal housing provident fund contribution information, social security information, etc., as well as public information such as court civil judgments and tax arrears.