Can the bank check my credit record casually?

Banks cannot casually check personal credit information.

Article 12 of the "Interim Measures for the Management of Basic Personal Credit Information Databases" provides:

Commercial banks handling the following businesses may inquire about personal credit reports from the personal credit database:

1. Review the application for personal loans.

2. Review the application for personal credit card and quasi-credit card.

3. Review 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, you can only make inquiries if you have authorized the bank. Extended Resources:

1. The court and the ** department can inquire about the credit report in accordance with the law without informing or obtaining your consent.

2. If you find that someone has checked your credit report without consent, please raise an objection or complain directly.

3. How to authorize a lender to check your credit report:

Written (electronic) authorization, usually expressed as a clause in the formatting clause in the loan (credit card) application form.

For example: "From the date of signing this authorization to the date of determination of the final result of the loan or the date of repayment, XX Bank is authorized to inquire, print, save and use my credit report through the credit information system for the purpose of reviewing the loan application, guarantor qualification review and other matters related to the loan application and post-loan management." ”

Banks are not allowed to inquire about your personal credit without your authorization, and if they do so, you can directly complain to the CBIRC.

Banks are not allowed to check your personal credit report without your permission, and they will only have permission to check if you confirm your consent.

The bank does not have the right to check your credit record casually, but when you want to take out a loan, or call for various document assessments, you have the right to check your credit information.

You can't check it casually, but if you apply for a loan or a credit card at the bank, then the bank can check your credit record.

In the past, when you had a credit card, every time you borrowed money, you would check your credit, if you cancel it, without your authorization, you can't check your personal credit at will. Target.

OK. As long as the bank wants to check, they can check your credit record at any time.

The bank will only check your credit record when you want to take out a loan, because the bank will look at your creditworthiness.

No, credit information is not available in any bank to check and print, to printCredit Reports, generally go to the local credit bureau to print. However, some commercial banks in some regions have obtained the People's Bank of China.

The outlets also provide self-service credit printing services, so users can also go to the outlets 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, and users can present their ID cards.

to check personal credit.

You can also print out the credit report.

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.

The bank checks the personal credit report.

The following information can be found:

1. Basic personal information.

This includes basic personal information such as name, ID number, age, place of origin, home address, contact**, marital status, occupation, etc.

2. Loan records.

Banks will pay close attention to this by looking at the user's loan information, credit card information, and repayment status.

3. Public Information.

Generally, it refers to the individual's water and electricity bill payment, tax arrears, civil judgments, etc.

Fourth, query records.

Credit ReportsIt mainly shows the number of inquiries and related information of the financial institution, if the loan applicant is queried too many times, it will affect the loan application.

Don't spend on credit, this is very important, now a lot of Internet small loans he is not on the credit, but there are also some on, you can't tell which is on the credit, which is not on the credit, if you are overdue or spend your own credit, then you go to the loan of the house to loan, the car loan is not approved this matter will be troublesome,When you raise a credit report at that time, you can't raise it back in three years or two years.

Yes, at this time, you have to go to the bank to review according to the relevant regulations, and the bank can inquire about the loans you have handled before, as long as the user authorizes it.

No. Because only banks that are connected to the credit system and authorized can check credit, not all banks can check credit.

Yes. The bank is a place to borrow and deposit, so you must check your credit before you can make a loan or a borrowed project.

Which banks can check personal credit.

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.

Banks can check personal credit. However, only the People's Bank of China and branches of the People's Bank of China can check personal credit, and other banks usually cannot. The credit report is a record of personal credit information issued by the People's Bank of China, and is the basis for commercial banks to review loan qualifications and credit records, depending on the personal credit record.

The specific steps for checking credit information online are as follows:

1. Open the official website of credit information, select the Internet Personal Credit Information Service Platform "Enter the official ** 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 inquiry system;

3. Fill in the user's supplementary information, and then click "Submit";

4. Log in successfully, click "Information Service" and select "Security Level Change";

5. Select "Obtain Credit Information" in the information service to obtain a personal credit report.

The following materials need to be prepared for credit inquiry:

1. The original and photocopy of my valid identity document, and keep a copy of my valid ID card for future reference, and truthfully fill in the "Personal Credit Report Personal Inquiry Application Form".

2. For the inquiry of others, it is necessary to prepare the original and photocopy of the valid identity documents of the credit inquiry client and the ** person, and keep a copy of the valid identity document for future reference and the power of attorney of the credit inquiry client.