How to check your own credit, how to check your own credit

The inquiry methods of personal credit investigation are: 1. Bring your ID card to the local branch of the People's Bank of China to make an inquiry, and the results can be issued within two working days, and netizens can choose to go to the People's Bank of China to collect the results themselves or the bank will mail the results home. 2. In order to facilitate netizens to inquire about their personal credit records, the Credit Information Center has launched an Internet personal credit information service platform, where netizens can log in to the official website of the Credit Information Center, and after registering and logging in, they can check their credit records online.

Legal basisArticle 1 of the Several Provisions of the Supreme People's Court on the Publication of Information on the List of Judgment Defaulters.

In any of the following circumstances, the people's court shall include them in the list of judgment defaulters and give them credit punishments in accordance with law: (1) They have the ability to perform but refuse to perform the obligations set forth in the effective legal documents; (2) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats; (3) Evading enforcement by means such as sham litigation or arbitration, or concealment or transfer of assets; (4) Violating the property reporting system; (5) Violating an order restricting spending; (6) Refusal to perform on the enforcement of the settlement agreement without a legitimate reason.

You can go to the counter of the People's Bank of China's business branch where the user is located to check the personal credit report.

People do not stand without trust, and credit is no trivial matter. In daily life, credit card use, loan application, and corporate financing are all inseparable from credit reporting. The importance of credit records, an "economic identity card", has become more and more prominent.

The development of the credit industry is a common practice in the international community. In China, the credit report is an objective record of the credit activities of the information subject, and it is to help the credit grantor to judge the credit status of the information subject.

There are three ways to inquire about personal credit, no matter which way the inquirer inquires, you can find out the comprehensive information of personal credit, so you can choose the appropriate way according to your own situation.

Here are three ways to check personal credit::

1. Online inquiry: Inquirers can log in to the People's Bank of China Credit Information Center**, search for "Credit Information Center" to enter the official website, fill in personal relevant information according to the prompts, and then wait for 24 hours before making inquiries. Check **People's Bank of China official website Credit Information Center).

2. APP inquiry: With the widespread use of smart phones, related credit inquiry APPs have also come into being. Searchers can fill in the relevant app in the software store, and also fill in the information according to the prompts, and can be queried within 24 hours after submission.

3. On-the-spot application: If the inquirer wants to go to the bank to check his credit record, he can also go directly to the local branch of the People's Bank of China and the credit information branch center to inquire. Before going to handle business, remember to bring your valid personal documents and make an appointment with the inquiry agency, after which you can make an inquiry.

If it is necessary for another person to make the inquiry on behalf of the inquiry, then not only the valid identity documents of both the inquirer and the inquirer are required, but also the notarization and authorization are required.

Note: Too many inquiry records will affect the credit assessment and lending of loan applicants by financial institutions.

There are two ways to check your personal credit report:

The first is on-site inquiry: bring your original valid ID card + copy of ID card + "Personal Credit Report Personal Inquiry Application Form" to the local central bank bank branches and credit investigation sub-centers for inquiry. According to the recent policy, individuals go to the counter to check their credit reports.

The second is online inquiry: log in to the central bank's personal credit information service platform to register first, and then fill in the personal real name and ID card number and other information. Generally, you will receive a short message from the system on the next day, and you can check it by logging in to the personal credit platform again at this time.

Credit reports are divided into personal credit reports and enterprise credit reports, which are records of personal credit information issued by the Credit Information Center of the People's Bank of China. A personal credit report is an objective record of credit history, recording information such as the repayment of personal debts, the performance of contracts, and compliance with laws and regulations.

A personal credit report is a document issued by the Credit Information Center of the People's Bank of China that records personal credit information, which can quickly help financial institutions understand the credit status of individuals. At the same time, good personal credit also plays an important role in many areas.