How to query personal credit information on mobile phone

1, mobile APP: At present, the Credit Information Center of the People's Bank of China has not authorized any third-party APPlication (app) to provide personal credit report inquiry service. Third-party inquiry may easily lead to personal information disclosure, so don't trust it easily. At present, the Credit Information Center of the People's Bank of China has not launched the mobile phone software APP, so the downloaded software cannot be searched. You can only use other methods.

2. Mobile browser: You can open the mobile phone Baidu and enter "Credit Center", and the "Credit Center of China People's Bank" will appear. Only those marked with blue official website are official. After opening official website, click "Internet Personal Credit Information Service Platform"-try it out immediately, and you can enter the registration login page. After logging in, you can complete the authentication.

3. SMS: This method is the most convenient and quick. You can receive a "simple credit information prompt" by sending a short message. The specific operation method is as follows: you must first register an account in the credit information center, and the security level is medium or high. Edit the short message "cx registered user name" and send it to "10698000899". Wait for 24 hours after the transmission is successful.

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1. The central bank inquires about the personal credit report.

You can usually go to two places. The first is the local head office of the central bank. If you bring your ID card directly, you can go to the bank to check your credit. In addition, some local central banks have set up special credit management departments, and they can also bring their own valid certificates for inquiry.

2. Check personal credit report online.

If you have overdue records online or loan records on multiple platforms, your records will be controlled by big data. At this time, your credit application will often be rejected, or even your loan will be closed. If your big data is abnormal in cyber hackers, you can search for a small program on WeChat: White Tea Treasure, and you can get your big data and credit status by viewing it. You can also obtain blacklists, online loan application records, application platform types, overdue, long-term loans, arbitration cases and other important data and information.

What are the reasons for poor personal credit reporting? There are actually many reasons. Mainly includes:

First, loans overdue.

As long as the credit information of overdue loans will be blacklisted, it does not mean that loans cannot be processed after overdue loans. Some loans with lower thresholds can still be applied for.

Under normal circumstances, there are many reasons for the accumulation of six overdue loans by credit cards for three consecutive times, as follows:

Second, the usual living arrears are not paid.

For example, mobile phone fee, electricity fee, water fee, gas fee and home broadband fee, if the arrears lead to long-term arrears, there will be some negative credit records, but many people think that my mobile phone will be thrown away. Anyway, as we all know, these are all related to personal credit report. It didn't matter then. When you need your credit report to provide your credit report, you will know, but it is too late.

When bad credit information exists, when you want to make up for it, even if it is made up, it will take five years for your credit information to be normal. Don't make trouble for yourself, make fun of your future.

Third, the annual credit card fee.

Nowadays, many people have credit cards, and some even have several, but many people ignore one point. Some credit cards have annual fees. If the annual fee is not paid on time, it will also produce negative credit information.

Fourth, help others guarantee loans.

If the other party fails to repay in time, your credit will be returned unless you repay for the guarantor. Because when you mention someone else's guarantee, you are jointly and severally liable. Many people pay for it because of their face and friendship. If you can't pay it back, your credit will decline.

Fifth, the identity card information is leaked.

Now many people on the Internet openly sell citizens' information. Many people use this information to handle some loan business, such as applying for credit cards, loans, micro-loans and so on. Many people are unconscious. When your credit card is in arrears, your negative credit information will be blacklisted. Say so much to give everyone a good living habit. If the loan is repaid at any time, don't be happy for a while. Finally, you can't afford it. Your credit information is blacklisted. When you find that some bad credit information is not your reason.