Can banks check personal credit at will?

According to Article 12 of the "Interim Measures for the Management of Basic Personal Credit Information Databases", commercial banks may inquire about personal credit reports from the personal credit database when handling the following businesses: 1. When reviewing loan applications handled by individuals.

2. When reviewing an individual's credit card and quasi-credit card application. 3. When reviewing the individual as the guarantor. 4. Post-loan risk management for personal credit that has been issued.

5. To accept the loan application of a legal person or other organization or to act as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.

In addition to the above, the bank can only make an enquiry if the user authorizes the bank to make the inquiry.

Extended materials: 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 at the request of users. Personal credit reports are personal credit history records that credit reporting establishments have collected in accordance with law, processed and sorted out in accordance with law, and finally provided to lawful information inquirers in accordance with law.

As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories.

In May 2019, the new version of personal credit information was officially launched, and the duration and granularity of credit information will be further improved. On September 30, 2021, the Measures for the Administration of Credit Investigation Business were deliberated and approved by the 9th Executive Meeting of the People's Bank of China in 2021 on September 17, 2021, and are hereby promulgated and will come into force on January 1, 2022.

At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

The main factors that may affect an individual's credit risk score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid within the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc.

Banks are not allowed to check a person's personal credit because there are no law enforcement agencies.

Even if it is a bank, it cannot casually check a person's credit report He must obtain the person's power of attorney, and it can only be authorized when handling business, and it cannot be without the background of the business transaction After the loan application can be used to track the credit report on behalf of the post-review or post-loan management reason.

There are everyone's credit records in the bank, as long as you have handled business in his bank, there will be a credit record, of course, he can check it casually, which the bank can operate in the background.

Commercial banks will not inquire about a person's credit report at will, except for business necessities such as loans, credit card applications, after-sales management, etc., if they need to check their own credit information, they can apply to the local People's Bank of China with valid documents.

Banks cannot check, only individuals can check with ID cards, and banks are not qualified to check.

It is not allowed to check the personal credit report unless the individual's ID number can be provided.

It shouldn't be okay to check this casually, I'm afraid that someone will resell the information.

Don't check your credit records casually, the more times you check, the more difficult it will be to get a loan.

1. It has no impact on checking by yourself, and you can check it for free.

Second, the more times you check, the more impactful it will be, but if you want to take out a loan, it will have an impact.

1. It has no effect to check by yourself.

Personal credit report.

The reason for the inquiry is divided into personal inquiry, credit card approval, loan approval, guarantee qualification review, objection inquiry, etc., in addition to my inquiry, other inquiries need to be authorized by you. However, it is certain that checking your own credit records will not have an impact.

Second, the more times you check, the greater the impact.

When you apply for a credit card, mortgage, car loan, etc., the bank will be authorized to check your credit history, and if there are too many such inquiries, it will indeed have a negative impact. It's not hard to understand if you apply for a credit card from multiple banks and a line of credit from several banks within two months.

They are authorized to check your credit record, which can be seen above, in this case, the bank will consider whether you have existing debts, or have been rejected by multiple banks, then the application is likely to be rejected. If it is a personal inquiry credit report, you can inquire online, unlimited inquiries are not charged, and there will be no personal credit report.

Influential. However, if you want a detailed version of the credit report, you can check it at the self-service machine or counter, and you can check it twice for free.

Extended information: 1. Personal credit.

The personal credit report records the individual's credit information, mainly including personal basic information, credit information (whether there is a bank loan.

Whether there are overdue, credit card overdraft records, etc.), non-bank information (payment information for utilities such as water, electricity, gas, etc., tax arrears, civil judgments, etc.). This information will affect the individual's borrowing behavior at financial institutions. For example, when applying for a personal mortgage, the bank needs to look at the credit report, and if the credit status is good, it may get a discount, while if it has an overdue record, it may have to raise the price, or even fail to get a loan.

It can be said that a personal credit report is an individual's financial identity card.

2. On-site inquiry.

Individuals bring their original valid identity documents and 1 copy, and submit an application for inquiry after filling in the "Personal Credit Report Personal Inquiry Application Form" at the inquiry outlet, and if the number of inquiries exceeds 3 or more times in the current year, the staff will inform the individual that they need to pay the inquiry service fee, and the individual will voluntarily decide whether to pay for the inquiry. Fees are initially paid in cash and gradually increased as needed.

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, credit information is not available in any bank, and to print a credit report, you generally go to the local credit information center to print it. However, some commercial banks in some areas have been authorized by the People's Bank of China, and the outlets also provide self-service credit printing services, so users can also go to the branches of these banks to print credit information.

However, it is best to go directly to the local People's Bank branch to print the credit report. After arriving at the credit information center of the People's Bank of China, just ask the staff at the counter to explain your intentions, and the staff will help you print it. Alternatively, users can go to the self-service kiosk to print.

Credit information centers are generally equipped with self-service inquiry machines, users can check personal credit with their ID cards, and can also print out credit reports.

If the People's Bank of China is far away, then the user can choose to go to the authorized commercial bank branch to print. Users can first check which local commercial bank outlets can print credit reports by themselves, and then choose the nearest bank branch to print.

In addition, users can directly log in to the People's Bank of China's online personal credit inquiry system to print. As long as the computer has a printer connected, you can print the credit report.

Our personal credit report.

All are the People's Bank of China.

Unified management, if you want to check your own credit report, you also need to go to the designated bank for inquiry, so can the bank directly view the customer's credit report without the customer's permission?

Whether it is a commercial bank, a consumer or the People's Bank of China, the inquirer must obtain the written authorization of the person being inquired about when inquiring about the personal credit report, and keep a copy of the identity document of the person being checked.

Personal credit reporting system.

It has realized that all branches of commercial banks in the country can access and inquire about the credit information of any individual nationwide. In accordance with the provisions of the "Interim Measures for the Management of Basic Personal Credit Information Databases".Commercial banks may inquire about personal credit reports from the personal credit reporting system only when handling the following businesses:

1) Review personal loans.

Credit cards, quasi-credit cards.

Application; 2) Reviewing individuals as guarantors;

3) Post-loan risk management of the personal credit that has been disbursed.

Target; 4) To accept the loan application of a legal person or other organization or to act as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.

Consumers may submit a written application to the credit reporting center, credit reporting sub-center, and the local credit reporting management department of the People's Bank of China's branch to inquire into their credit report. You only need to fill in the "Personal Credit Report Personal Inquiry Application Form", and provide a valid ID card for verification, and keep a copy of the ID card for future reference.

Now you know, even banks can't check a customer's credit report at will. Therefore, if you find that your credit investigation has been checked by other people or institutions beyond your authority, you must submit an application to the bank as soon as possible to avoid unnecessary losses or troubles to yourself.