How to check other people s credit records, how to check other people s credit records

The personal credit system is recorded by the ** bank, individuals and companies can not be queried, is the personal information data shared by formal lending companies, in order to record whether citizens have the ability or whether there are bad records, the sub-bank needs to inquire must also obtain the consent of the information base, in different banks If they want to know that your credit needs to be dispatched, you can also learn through your self-inquiry.

Other people's credit information is someone else's personal privacy, and others have no right to view it.

To check other people's credit records, it needs to be based on the following circumstances, as follows:

1. With the authorization of others, they may apply to inquire about the credit records of others. The inquirer can inquire about the credit records of others by providing the original valid ID cards of the principal and the ** person, the notarization certificate of authorization and the "Application Form for Personal Credit Report Personal Inquiry";

2. Without the authorization of others, individuals cannot inquire about other people's credit reports. At the same time in everyday life. If other agencies are authorized to check personal credit reports, the authorized agencies can check personal reports at will.

Please be cautious about authorizing credit report inquiries to avoid divulging personal information.

Credit reports are concerned about personal credit information, and are private, and others or other financial institutions or banks have no right to inquire without the consent or authorization of the person, and generally the consent or authorization of the person is required to inquire about other people's credit reports. When an individual applies for a credit card or online loan, the financial institution will ask the applicant to sign and confirm the credit investigation authorization agreement, and only the signed authorization letter has legal effect, and the financial institution can check the applicant's credit information, otherwise it cannot be queried.

Can I check other people's credit if I have an ID number?

To check the credit information, you need to use the ID number, but it does not mean that you will check the credit if you know the ID number. After all, credit investigation is generally only checked by the person and authorized by the person, and if the secret inquiry is an invasion of other people's privacy, the law will not allow it. After authorization, the information provided varies depending on the inquiry channel.

Like the online version of the credit report, it is necessary to know the personal information of the credit reporter, including ID card, bank card, real-name card binding mobile phone number, and obtain SMS verification code; For the on-site version of credit investigation, the original ID card is indispensable, and the inquirer's ID card, as well as a letter of authorization, etc., are also required.

How to check other people's credit reports?

First of all, do not inquire in any other third-party application, and the credit information center does not authorize other institutions to provide credit inquiry rights. Remember to obtain the authorization of the credit reporter for non-personal inquiries, and then bring the original and copy of the ID card of the person and the entrusted person, as well as the power of attorney issued by the notary office, to the local branch of the People's Bank of China for on-site inquiry.

Remember to go to the counter to handle the inquiry, non-I can not inquire on the machine, in addition to the query time should also be clear, only Monday to Friday will be open for inquiry, weekends and holidays are closed, will not open for business.

1. The credit card has been overdue for three consecutive times (or six times in two years).

2. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months.

3. The monthly payment of the car loan is overdue or non-repayment for 2 to 3 months.

4. The loan interest rate is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. If you do not use the "Sleep Credit Card" after activation, you will incur an annual fee, and if you do not pay, you will have a negative credit history.

6. Credit card overdraft consumption and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Economic disputes such as arrears will also affect credit history.

9. Water, electricity and gas bills are not paid on time.

10. Cashing out of personal credit cards.

11. Non-repayment of student loans in arrears.

12. The mobile phone deduction is linked to the bank card deduction, and the relevant procedures are not handled after the mobile phone is deactivated, and the monthly rent is overdue due to arrears.

13. Credit card arrears records are generated by fraudulent use of ID cards or copies of ID cards by others. Of course, the requirements of different banks may also be different, so it is best to consult your local lender to understand the policy changes in advance and prepare for buying a house.

Extended information: 1. How to maintain credit after 6 times overdue?

If you want to maintain a good credit report, you need to first figure out whether the overdue is non-subjective overdue or subjectively overdue, and prescribe the right medicine.

1. Non-subjective overdue credit repair If it is non-subjective overdue, such as overdue caused by non-malicious arrears, such as the annual fee and interest of the credit card, etc., because the amount is small, it is ignored by the cardholder, and in this kind of situation, you can apply to the issuing card for non-personal malicious arrears, explain the reason, and it is possible to eliminate the overdue record. If the overdue is caused by the bank's active negligence, such as the system upgrade cannot be deducted smoothly, the credit card annual fee adjustment fails to notify the user in time, etc., or the overdue due to the failure of a third party to repay, you can try to apply to the bank to eliminate the overdue record.

2. Subjective overdue credit repair If it is subjectively overdue, that is, the credit investigation party is unable to repay the loan by himself, or forgets the repayment date and fails to repay the loan in time, it is a personal fault and cannot go to the bank to apply for the elimination of overdue records. If you want to maintain a good credit after 6 times overdue, you must settle the arrears as soon as possible, the shorter the overdue time, the smaller the negative impact, if it is a credit card overdue, it is not recommended to cancel the card immediately after repayment, you can use it normally for two years, and use a new good credit record to cover the negative record in the past.

Second, secondly, the lending institution generally only looks at the applicant's credit report within the past two years, if within two years, the normal use of the loan or credit card, repayment on time, after two years of overdue records will have little impact, after five years, the overdue record will be automatically eliminated, will no longer have any negative impact. For how to raise a good credit after 6 times overdue, everyone must already know that there is an overdue record of credit reporting, whether it is intentionally overdue or unintentionally overdue, as long as the overdue has occurred, then it must be dealt with in time, otherwise it will have a greater and greater impact on the future.

The original credit report will no longer take into account that the credit information in the credit record is recorded by the People's Bank of China....Bad records are not clear, there are no bad records for 5 years, and generally after bad records are available.

For example: using credit cards, loans, etc.;

Personal credit records are stored in the credit information system of the People's Bank of China, you can try to log in to the credit information center of the People's Bank of China** to check the credit report: please click here: check personal credit history; At present, we also check personal credit reports through our counter and professional version (no fee is charged for the time being).

It is not illegal to check other people's credit reports. According to the relevant regulations, it is possible to check the credit of others, but the inquiry can only be carried out on the premise of the consent of the inquiry. If you want to check the credit, you can go to the offline counter outlets of the central bank for inquiry, or you can choose to inquire on the official ** online, both of which require personal verification, so others have no way to find it.

For users who have extremely bad credit, have not repaid their loans or credit cards on time, and have been blacklisted by the bank, it is difficult to apply for a loan again.

Legal basis: Article 40 of the "Regulations on the Administration of the Credit Reporting Industry" Where establishments that make inquiries into information violate the provisions of these Regulations by exhibiting any of the following conduct, the relevant departments are to order corrections to be made within a set period of time, and give the unit a fine of between 50,000 and 500,000 RMB. The directly responsible managers and other directly responsible personnel are to be fined between 10,000 and 100,000 RMB.

where there are unlawful gains, the unlawful gains are to be confiscated.

and where losses are caused to the information subject, civil liability is to be borne in accordance with law. where a crime is constituted, criminal responsibility is pursued in accordance with law

1) Illegally providing or ** information;

2) Leaking information due to negligence;

3) Making inquiries into personal information or enterprises' credit information without consent.

1. Personal credit reporting can also be checked by othersAlthough the personal credit report can also be inquired by others if certain conditions are met, it is not something that can be queried casuallyThe premise is that the authorization of the person to be queried must be obtainedAn individual does not have the right to check another person's credit report without the authorization of another person. If you have obtained the authorization of others, as a **person,You can bring the original and photocopy of your own and your client's valid identity documents, and the client's signature to authorize the credit inquiry.

II. Methods for Credit Inquiry Inquiries1. Credit information center inquiryBring your ID card to the credit investigation department of the local People's Bank of China or a bank that can check the credit, put your ID card in the ID verification office of the machine and then look directly at the screen camera to complete the identity verification, print the credit report, and pay attention to the fact that each citizen only has two free opportunities to check and print every year.

2. Check the official website of the Credit Information Center of the People's Bank of ChinaClick on "Internet Personal Credit Information Services" under "Core Business."3. Check People's Bank of China official website of the Credit Information CenterClick on "Internet Personal Credit Information Service Platform" under "Core Business";For the inquiry portal of personal credit investigation, click "Start Now" to verify the trial version. If it is a new user who clicks on the registration information, the old user can log in directlyOnce you've registered, you'll be taken to the welcome page. Here you can see that there are two modules on the left side: information service and user managementClick "Credit Services" - "Apply for Credit Information" on the left;You can choose to submit the application according to the actual situation.

Individuals do not have the right to check the credit reports of others without the authorization of others.

However, if you have obtained the authorization of others, you should provide the original valid ID documents of the principal and the ** person, the notarization certificate of the authorization for inspection, and fill in the "Personal Credit Report Personal Inquiry Application Form", and keep the copies of the valid ID documents of the client and the ** person, and the original notarization certificate of the authorization for future reference.

In addition, others are also limited by channels to inquire about credit reports that are not their own. There are three channels for credit report inquiry, namely on-site inquiry, self-service terminal inquiry and online inquiry, and different channels have different requirements for inquirers

1. On-site inquiry: support personal inquiry and other people's inquiry, if it is someone else's inquiry, you need to bring the valid ID card of the inquirer and the credit reporter, as well as the authorization letter of the credit reporter, to the branches of the People's Bank of China for inquiry, or some banks' credit inquiry outlets.

2. Self-service terminal inquiry: This channel can only be queried by myself, and others cannot be queried, because in addition to providing my ID card to be placed in the identification area of the self-service inquiry machine, there is also an on-site avatar check, and the system will print out the credit report after the information comparison is successful.

3. Online inquiry: that is, the inquiry on the official website of the credit information center of the central bank, it can also support personal inquiry and other people's inquiry. If someone else inquires about the credit reporter's account number and login password, they should also use the credit reporter's mobile phone to obtain the credit report verification code.

Credit investigation is not only the person can check, and credit inquiry can be entrusted to handle it.

For example, if you go to the local People's Bank of China to check your credit, if you don't have time, you can entrust others to go to the People's Bank of China to help you check it, and you only need to provide your ID card and the principal's ID card, as well as the power of attorney, to help the client check their credit.

In addition, you can also find someone else to help check the credit directly online. As long as you tell the other party their login name and password, the other party can log in to the official website of the "People's Bank of China Credit Information Center", and then enter the login, password, and verification code to log in to the account, and then help check the credit.

However, it is very convenient to check online, so if I don't have time to go to the People's Bank of China to check the credit, I don't need to entrust others, I can log in to the official website to make inquiries. As long as you enter the official website, log in to your personal account, click "Apply for Credit Information" in "Credit Service", then verify, and then submit the application and wait for the result.

In the case of personal credit, we can inquire personally, and of course others can also inquire about itHowever, the prerequisite is that the person in question has given his or her consent. For example, when we apply for a credit card or other loan, we agree to authorize the bank to check our credit information. The channels for inquiring about credit are different, so the requirements for inquirers will also be different.

If it is said to go to the People's Bank of China outlets to inquire on the spot, then others must bring their own and your own valid ID cards and your own authorization letter to check your credit.

If it is a self-service terminal query, then others cannot make a query, and can only make a query by yourself. This kind of inquiry method requires on-site avatar verification, which is the same as your ID card information in order to print out the credit information.

Another way to inquire is to check on the official website of the central bank's credit information center. In this way, you can make inquiries by yourself or others, and if others make inquiries, you need to provide her with her account number, login password and credit report verification code obtained by mobile phone.

It can be checked, but if the authorization of the other party is required, the individual does not have the right to directly check the credit report of others.

However, if you have the authorization of another personYesProvide the original valid identity documents of the client and the ** person, and the notarization certificate of authorization for inspection, and fill in the "Personal Credit Report Personal Inquiry Application Form", and keep the copy of the valid ID card of the client and the ** person, and the original notarization certificate of authorization for future reference.

When using a credit card, the delinquency affects personal credit and produces a credit stain, which cannot be recovered by canceling the card, which will only make the bank identify it as a "malicious overdraft" in the future, and this negative record will be retained for a long time. In the case of a home mortgage loan, if there is a late payment, the number of times will be accumulated and will not be erased until the loan is repaid. When applying for a credit card, the bank has a contract with the customer, so the customer is bound by the contract law, whether it is the subjective will not be repaid in time or the objective reason is overdue, the commercial bank and the credit information center of the People's Bank of China have no responsibility to coordinate or change this information, as the customer itself, try to fulfill its own responsibilities in accordance with the provisions of the contract.