How to open a personal credit report? Where to open a personal credit certificate

You can log in to the credit information center to check and print the personal credit report certificate. Article 2 of the "Regulations on the Administration of the Credit Reporting Industry" stipulates that "credit reporting operations" as used in these Regulations refers to activities that collect, organize, store, and process the credit information of enterprises, public institutions, and other organizations and individuals, and provide it to information users.

You can take your ID card to the pedestrian service point of the Citizen Service Center to print the credit report. Or you can directly apply for a credit report through the People's Bank of China** (it will be generated within 24 hours) and then print it out.

Hello, bring your ID card to the local Bank of China or other bank counters to apply, and the bank will issue you a credit certificate after approval. This proof is usually only required at the time of taking out a loan.

The personal credit certificate can be issued by the local branch of the local People's Bank of China with the ID card.

Take your bank card and ID card and go to the bank office, there is a self-service machine that can print it yourself.

1. How to check the credit report?

There are three ways to inquire about a personal credit report:

First, you can go to the local branch of the People's Bank of China for on-site inquiry;

the second is to inquire about my credit report service through the Internet;

The third is other service channels such as online banking inquiries and commercial bank inquiries.

Note: In 2016, the regulator lowered the fee for personal credit inquiry, and from January 15, individuals went to the counter to inquire about their credit reports, and the charging standard from the current 25 yuan each time was reduced to 10 yuan from the third time each year, and the inquiry through the Internet and the first two times a year to the counter continued to be free of charge.

2. Go to the first hit of the credit report?

Second, it is printed at the credit information center of the local branch of the People's Bank of China or the counter of a commercial bank authorized by the central bank;

Third, if there is a self-service credit report inquiry machine in the local area, it can also be printed by self-service, if you check the personal credit report more than 2 times a year, please go to the counter to pay the fee.

You can log in to the credit information center to check and print the personal credit report certificate. Take your ID card, go to the self-service printing counter, and print it. With the change of economic concepts, young people's loans have gradually become the main force of personal loans, and the loan must be inseparable from the credit report before the loan, the credit is the personal economic proof, your second ID card, and you need to maintain your credit.

With the original ID card, most of the major banks can query and print the credit report, and the information in the period mainly has six aspects: the identity information verification results of the Ministry of Public Security, basic personal information, bank credit transaction information, non-bank credit information, personal statement and objection marking and query history information. The personal credit reporting system has realized that all branches of commercial banks in the country can access and inquire about the credit information of any individual nationwide.

However, credit reports are not something that can be checked casually. The purpose of personal inquiry is to let individuals know whether their credit is normal, whether there is a bad credit record, whether there is a fraudulent loan, card application, can be checked through the official website of the People's Bank of China, credit sub-centers, it is recommended to check before applying for a card and loan, each person has 2 inquiry records per year, and personal inquiry will not affect credit records.

Legal analysis: You can log in to the credit information center for inquiry and printing of personal credit certificates. On the basis of the "Regulations on the Administration of the Credit Reporting Industry", the provisions of Chapter 5 of these Regulations apply to the collection, sorting, preservation, processing, and provision of information in the basic financial credit information databases established by the state.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry".

Article 2: These Regulations apply to engaging in credit reporting operations and related activities within mainland China. "Credit reporting operations" as used in these Regulations refers to activities that collect, organize, store, and process the credit information of enterprises, public institutions, and other organizations, and individuals, and provide them to information users. The provisions of Chapter 5 of these Regulations apply to the collection, sorting, preservation, processing, and provision of information in the Basic Financial Credit Information Databases established by the state.

The registration certificate of the enterprise shall be in the form of an institutional credit certificate, an enterprise loan card or an organization certificate.

Official seal and other documents. If you entrust someone else to help you print, in addition to the above materials, the client also needs to prepare your own identity document and the "Certificate of Authorization of the Legal Representative of the Enterprise".

2. Extended information:

First, the specific steps:

1) Go to the official website of the credit reporting center and click on the Internet personal credit service platform.

2) Select Start Now.

3) Register. Log in after registration.

4) Select Apply for Credit Information in the Information Service column.

5) The verification method is chosen by yourself, and the credit information is selected as a personal credit report.

Click Next.

6) After passing the verification, a personal credit report will be generated after 24 hours, and you will log in to inquire by yourself.

2. Printing channels: There are three ways to print personal credit certificates, 1. Bring your personal ID card to the local People's Bank of China Credit Information Center to apply for printing;

2. Some bank outlets are equipped with self-service printers for credit reports, which only need to be printed with personal ID cards;

3. Log in to the official website of the credit information center to inquire and print.

3. What is the use of personal credit report?

1.Loan approval.

When approving the loan, the bank will judge the borrower's willingness to repay by checking the borrower's "historical repayment record" in the credit report. Check the "number of loans", "external guarantees", etc., to determine whether the loan is approved and the amount of the loan.

Personal credit report.

It can save the bank's loan approval time and help you get a loan quickly. If you have good credit and a good bank, you will be able to lend faster. If you are past due, the bank will be more cautious when lending money, which will not help you get a loan or increase the cost of your loan.

2.Credit card approvals.

When a customer applies for a credit card, the bank will generally check the customer's credit status and determine whether to issue the card and the card issuance limit according to the specific situation of the credit report. After you've provided your customer's credit card, decide whether to increase their credit card limit by reviewing their Spending Information and Payments.

3.Qualification review and employee recruitment.

Some units will review the credit status of employees when they are hired.

"Credit reporting operations" refers to activities that collect, organize, store, and process the credit information of enterprises, public institutions, and other organizations and individuals, and provide them to information users.

Legal basis: Article 18 of the Civil Code of the People's Republic of China: Adults are persons with full capacity for civil conduct and may independently carry out civil juristic acts. Minors over the age of 16 who rely on their own labor income as their main livelihood** are to be regarded as persons with full capacity for civil conduct.

You can log in to the credit information center to check and print the personal credit report certificate.

1.Have your ID ready.

The original and photocopy to the local People's Bank.

2.Fill in the "Personal Credit Report Inquiry Application Form".

3.The People's Bank of China will issue a personal credit report certificate based on the results of the inquiry.

Extended Material: About Personal Credit Reporting.

1.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 upon the request of users.

2.Personal credit report.

It is the credit reporting establishments that process and sort out the information collected in accordance with the law, and finally provide the personal credit history records to the lawful information inquirers in accordance with the law.

3.At present, it is mainly used for various consumer credit businesses of banks.

With the social credit system.

As credit reports continue to improve, credit reports will be more widely used in various areas such as business 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.

4.May affect personal credit risk.

The main factors of the score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid according to the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc.

5.Personal credit reporting system.

Also known as the consumer credit information system, the main Mu Fengkai wants to provide personal credit analysis products for consumer credit institutions. With the increase in customer requirements, the data of the personal credit reporting system is no longer limited to the traditional operation scope such as credit records, and the attention is gradually shifted to the business field of providing comprehensive social data services.

6.The personal credit information system contains extensive and accurate consumer information, which can solve the problem of insufficient customer information on corporate marketing.

It helps enterprises to reach their target customers in the most effective and economical way, so it has a very high market value, and the application of personal credit reporting system has also been extended to the fields of direct sales and retail. In the United States, one-third of the profits of personal credit bureaus come from direct sales or database marketing, and personal credit reporting systems have been widely used in corporate marketing activities.

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