How to check your own credit How to check your own credit

Personal credit can be queried in two ways:

1. Bring your ID card to the local People's Bank of China to print your personal credit report. The report can also check the status of an individual's credit report;

2. Check through the official website of the Chinese People's Credit Information Center, and the steps are as follows:

1. Open the official website of credit investigation (

2. Select "Trial Version" to start the query immediately.

3. Register an account and log in to the personal credit inquiry system.

4. Log in successfully, select "Information Service" - Get Credit Information".

5. Enter the pre-application verification code (you need to apply for the inquiry on the official website in advance, and the credit information center will issue the verification code to the reserved mobile phone number within 24 hours).

6. If the credit investigation application is successfully submitted, the personal credit investigation can be reviewed in the report.

1. Bring your personal ID card to the People's Bank of China outlets for inquiry。Now there will be an individual in almost every branch of the People's Bank of ChinaCredit ReportingRecord query ATM, we only need to bring ID card, verify face and mobile phone number and other information, and we can immediately query and print. 2. Bring your personal ID card to a qualified bank for inquiry.

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.

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" Where a person subject to enforcement fails to perform the obligations set forth in the effective legal documents, and has any of the following circumstances, the people's courts 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.

1. If you want to check your personal credit, you only need two steps to check it.

2. Open the browser, search for the People's Bank of China Credit Information Center, verify the problem after registration and login, wait patiently for the 24-hour verification code to be issued, enter the verification code to query your own simplified version of the credit, only the simplified version can be queried.

3. If you find the first way troublesome, then the second way is simpler and more convenient. Users can query their own big data and credit status, and can obtain various index data, query their personal credit situation, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, dishonest person information and other important data information.

4. Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

You can check your own credit in the following two places:

1. The central bank inquires about personal credit reports.

Generally, you can go to two places, the first is the local head office of the central bank, directly bring your ID card, you can go to handle the business you want to check the credit. Another is that in some places, the central bank has set up a credit management department, and it is okay to bring your own valid documents to inquire. And preferably print it out.

2. Check personal credit report online.

If you have overdue records online or loan records on multiple platforms, then your various records will be controlled by big data, and your credit application will be frequently rejected, and even your Huabei loan will be closed. If your big data has an abnormal network hack, you can search for the applet on WeChat: Baichabao, and you can get your own big data and credit status by entering the view, and you can also obtain various indicator data such as:

Blacklist situation, online loan application records, application platform type, whether it is overdue, long loans, whether there are arbitration cases, and other important data information.

There are three ways to inquire about personal credit, no matter which way the inquirer inquires, you can stare at the cherry blossoms to 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, Xiangkai Congguan's credit inquiry APP also came 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 or her credit record, he can also go directly to the local branch of the People's Bank of China and the credit investigation 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.

Legal analysis: 1. Counter inquiry: You can check your personal credit report at the counter of the People's Bank of China, and you need to bring your valid identity document and fill in the "Personal Credit Report Personal Inquiry Application Form".

2. Self-service inquiry machine inquiry: It can be queried on some self-service inquiry machines agreed by the central bank.

3. Quotient which bank online banking inquiry: The commercial banks that can inquire about personal credit reports include Bank of Beijing and China CITIC Bank, and users can log in to the online banking of these two banks to check credit records.

4. Online inquiry: The People's Bank of China has launched an online credit inquiry system.

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

Article 16: The period for credit reporting establishments to store negative personal information is 5 years from the date on which the negative conduct or incident ends; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information and target the source, and the credit reporting establishments shall record it.

Article 17: Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.

Article 18: Where inquiries are made to personal information from credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon. However, unless the law stipulates that the potato code can be queried without consent. Credit reporting establishments must not provide personal information in violation of the provisions of the preceding paragraph.

<><8. On the application for credit information page, we need to provide personal information verification, which includes bank card verification, digital certificate verification, and problem verification. Here you select the bank card verification method, and tick the content below to check the credit information, and click "Next"; As shown in Fig.

<>13. Finally, the central bank will send the credit inquiry SMS verification code to our mobile phone within 48 hours, and we only want to enter the SMS verification code to obtain their own personal credit records, and the personal credit records obtained by Pants Zhaoran can also be ** down. As shown in Fig.

If you find that there is an overdue situation on the credit record, it is recommended to repay it immediately to avoid the impact of applying for a mortgage at the bank in the future.

If the overdue record on the personal credit record is overdue caused by the annual fee deduction of the credit card, in this case, you can pay off the arrears first, and then ask the credit card bank to issue a relevant non-malicious overdue certificate, then when applying for a bank loan, the bank approver will not be stuck in the loan because of credit problems.