How to query personal credit records

You can query your online loan records in two ways.

1. Inquire about the central bank's credit report, bring your ID card to the local central bank's outlets, and print the short version of your personal credit report yourself.

2. Inquire about the credit information of 100 banks led by the central bank. As a non-governmental credit reporting agency, 100 banks have complete credit reporting data, rich reports and wide applications. In daily life, financial services ranging from free deposit services to auto loans and credit cards are provided by people's credit information.

Long-term application for online loans should promptly check their own credit information to prevent credit damage caused by blind application for online loans.

If you have confirmed that you have made several loans online, but want to know whether the records of these loans have been entered into the credit information system, in fact, you can directly search online, open WeChat, and search: Qitian Kuaicha. Click "Query" and enter information to query your own 100-line credit data, which come from online lending platforms and UnionPay centers all over the country. Users can query their big data and credit status, obtain various index data, and query their personal credit status, blacklist status, online loan application record, application platform type, overdue amount, arbitration cases and other important data information.

Compared with the central bank's personal credit report, the atmosphere of personal credit record is more extensive, and the publishing institutions are more diverse, such as seven-day quick check and sesame credit score, which are all part of personal credit record. Generally speaking, they are more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the country is building an all-round "credit network" without dead ends, connecting the society and enjoying information, whether it is a credit report or a personal credit record, it is an important link. Protect your credit. Credit is the greatest asset and wealth for everyone.

In our daily life, many behaviors will affect our credit information. For example, some people have handled a lot of credit cards, and when the repayment is overdue, it will affect our personal credit information. If our personal credit information is not particularly good, it will be more troublesome when handling loans, and now they are all networked, no matter which bank we go to, it will be more troublesome.

For example, buying a house, many people will choose a loan. Generally, after we go to the bank to submit a loan application, the bank will check our credit information. At this time, if there is some bad information in our credit report, the bank will refuse to give us a loan. Therefore, in daily life, we must pay attention to our words and deeds and never let ourselves have a bad credit record. Because some small things affect our credit history, I think it is not cost-effective.