How do you see if there is a problem with personal credit reporting?

I want to check if there is a problem with personal credit, you can go to that credit information network, enter your name and ID number on the credit information network, and you can check your personal credit information.

Go to the bank counter to type a credit report, and you can see all kinds of information about yourself according to the data on the report.

Open the credit information of Bank of China, and you can check it after registering and logging in.

Check with the People's Bank of China.

Generally, the problems of personal credit investigation are whether there are overdue loans, too many loan applications, too many inquiries, and so on. At present, there are three ways to inquire about personal credit information. You can check how many credit cards you have, how much you have borrowed, the number of inquiries from financial institutions, whether they are overdue, etc.

Next, I will explain to you from the two points of inquiry method and whether there is a problem with credit reporting.

1. Inquiry method.

Currently, there are three ways to make a query. The first way is to go to the offline institutions of the People's Bank of China (credit information centers) or bank outlets with credit inquiry machines. All you need to do is bring your ID card.

The second is to register relevant information through the official website of the Credit Information Center of the People's Bank of China and apply online. The day after applying, you can use the withdrawal code sent by your mobile phone**. The third way is to check through the app of commercial banks, but there are currently fewer banks that provide this function.

The first one is a paper version that is printed for free, and it is more detailed than the other two versions, so the first one is recommended first.

Second, how do you see if there is a problem with credit reporting?

From the bank to see if there is any problem with your credit information, mainly in the following aspects:

1) Whether it is overdue.

The credit report will clearly show whether you are overdue, how many periods you are overdue, and how much you are overdue. If a lending bank sees that your credit card is overdue for only a day or two, and the amount is only a few dozen dollars, it will open the net. If someone else is overdue for a long time and the amount is large, they will basically be on the bank's blacklist.

Only after the five-year record has been erased can they hope to apply for a loan from a banking institution again.

2) Whether you have applied for too many loans.

When the bank approves the loan, it will calculate your amount based on the current loan shown in the credit report. If you have more loans on your credit report than you have provided for your assets, you may also be rejected by the bank.

3) Check whether there are many records.

Some people often go online to apply for online loans, credit cards, etc. , and regardless of whether it is approved or not, it will leave a query record on the credit report, and the bank also values this record. Banks will assume that they are applying for this type of loan in large quantities and will reject your loan request because they think you are short of money.

In short, unless you are particularly short of money, it is recommended not to apply for credit cards and online loans frequently in a short period of time. In addition, maintaining a good repayment record is also the right way to maintain your good credit information.

If you want to know whether there is a problem with your credit report, you mainly need to see whether the following information on the credit report meets the bank's requirements:

1. Whether there is an overdue record on the credit report. First of all, check whether there is a record of overdue repayment on the credit report, if there is an overdue record of "3 and 6" in the past 2 years on the credit report, then it is basically impossible to apply for a loan in the bank.

2. The number of inquiries on credit reporting. In the inquiry record of personal credit investigation, you can clearly see the number of credit inquiries, as well as the reason for the inquiry and the inquiry agency. If there are too many inquiries about loan approval in the past six months, the bank or lending institution will feel that the user is short of money in the near future, so as to question the user's ability to repay, and if the user cannot prove that he has sufficient repayment ability, then the loan application at the bank is likely to be rejected.

3. Credit reporting debt ratio. A high personal debt ratio on the credit report will also affect the approval of the loan, including the unpaid loan as a guarantee for others, which will also be included in the user's personal debt ratio.