What are the methods for checking personal credit?

What are the correct ways to check personal credit information?

The correct way to check personal credit information is through official website inquiry and bank inquiry:

1. Official website inquiry

1. Log in to the credit information center website.

2. Click "Internet Personal Credit Information Service Platform" under "Core Business" on the homepage

3. Enter the query page and click "Start Now"

4. After new user registration, user login, and online identity verification

5. Fill in and submit an inquiry application to obtain a credit report

6. Generally, you can receive your personal credit report the next day .

2. Bank Inquiry

Bring your ID card or the ID card of the principal and the power of attorney to the credit inquiry window of the People's Bank of China in your location or you can inquire about the business of some credit reporting banks You can see your personal credit report by printing it from the self-service credit inquiry machine at the outlet.

3. SMS query

In addition to the above two methods, users who have registered an account at the Credit Reference Center and have a security level of medium or above can also edit the SMS "cx registered user name". Send it to "106980008899". After the text message is sent successfully, you will receive the message 24 hours later.

Credit reporting records an individual’s past credit behavior, which will affect the individual’s future economic activities. These behaviors are reflected in the personal credit report, which is often referred to as the “credit record.”

The importance of personal credit report:

If it is recorded in your credit report that you have borrowed money and failed to repay it, the bank must treat it carefully when considering whether to provide you with a loan. The bank will most likely ask you to provide a mortgage or guarantee, or reduce the loan amount, or increase the loan interest rate, or refuse to grant you a loan. If your credit report shows that you have borrowed a lot of money, the bank will also be very cautious and worry that you will have too much debt to bear, and may refuse to provide you with another loan. This reminds you to cherish your credit record and consciously accumulate your own credit wealth.

Another big benefit to you is that it helps you get fairer credit opportunities. What the credit information center provides to banks is an objective record of your credit history, letting the facts speak for themselves, reducing the impact of the loan officer’s subjective feelings, personal emotions and other factors on the results of your loan and credit card application, allowing you to get fairer credit opportunities. How should I check personal credit information? How can I check my credit for free?

How to query credit records

We mainly have the following two ways to query personal credit records, both of which are free query methods:

1. Bank counter query : The applicant goes to the bank's business branch to check the personal credit report.

2. Self-service inquiry machine inquiry: Most banks now provide self-service inquiry function. Individuals only need to bring their ID cards to the bank for self-service inquiry. Generally, personal credit information can be inquired in about 1 hour. Report. If it is inconvenient for the applicant to go to the self-service machine, he or she can apply for an "agency card" at his or her unit or the local People's Bank of China's Credit Information Service Center, and just hand the "agency card" to the staff.

What are the services of the credit reporting system?

The credit reporting system mainly provides credit reporting services for financial institutions, mainly including:

1. Basic information: recording the basic information, operating conditions, and financial status of the enterprise in various forms.

2. Credit information: Provide loan application information and financing information for enterprises and individuals.

3. Public records: including the detailed address of the inquiry institution, the contact information of the commercial bank, etc. Credit inquiry institutions include commercial banks, rural cooperative financial institutions and other financial institutions.

What will happen after checking the credit report?

Many people will encounter the following situations after checking their credit report:

1. Too many inquiries. Due to the need to build a personal credit system, most financial institutions provide personal credit report inquiry services. Some users may have inquired their credit reports multiple times, and there were errors in this inquiry.

If you have any objection, you should contact the bank promptly, inform the reason, and file an objection application. If the bank fails to process it in time, it will affect your ability to apply for loans from other financial institutions, or even be included in the "blacklist", which will affect your application for other loans in the future.

2. Use credit cards too much. Personal credit reports show non-loan words such as "overdraft consumption" or "loan repaid". When you see such words in your personal credit report, it is very likely that a loan violation has occurred, which will affect your loan approval. How to check personal credit information, several methods to check credit information records

Users can check personal credit information records through bank counters, self-service inquiry machines, some bank APPs and the Internet. However, too many inquiries will make the bank think that the user may have applied for many online loans, which is not conducive to the user's application for loans and credit cards.

Users maintain good personal credit, and credit cards take a long time to build a good personal credit record.

It’s easy to have a bad credit record. For example, if you pay late, you will have bad credit card records, which will affect the success rate of your credit card application in the long term.

There are four common methods of personal credit inquiry:

1. Inquiry through the bank counter

The most traditional inquiry method is to inquire about personal credit at the bank counter. Report. Users need to bring the original and copy of their valid ID documents and fill out the "Personal Credit Report Inquiry Application Form". Among them, personal ID cards, military officer ID cards, soldier ID cards, passports, etc. are all valid documents.

2. Inquire through the self-service inquiry machine in the lobby.

Users can bring their second-generation ID cards to check their personal credit reports on self-service machines. However, this type of query is limited to one query per version and can only be handled by itself, not by the agent.

3. Please note the following when querying through the self-service inquiry machine:

The user should be about half a step away from the self-service inquiry machine, and the camera should take pictures to ensure that the user's complete picture appears in the view box.

After successfully checking your personal credit report, you should check the number of pages in the report and don’t forget to bring your personal ID card when you leave.

4. Commercial bank online banking inquiry

For example, open online banking at China CITIC Bank, receive a USB key certificate, log in to CITIC Bank online banking, and click " Credit Report Inquiry”. There is no limit on the number of queries, and results are usually available the next business day.

5. Query through the Internet

Users can also visit the Credit Center of the People's Bank of China, successfully register and activate the account, and you can check the credit report. Currently, the platform provides three authentication methods, one is bank card authentication, the other is digital certificate authentication, and the third is question authentication.