How long will it take to query the credit report?

1, official website inquiry: you can use the credit information center official website for inquiry. After logging in and operating the query on the same day, the results will be sent out the next day, and you can query after logging in again after receiving the SMS verification code.

2. Enquiry at the service desk of business outlets: Go directly to the outlets of the People's Bank of China, and you will get the results after submitting the materials at the service desk. Generally, you need to go to a specific window to handle related business after submitting it at the service desk, and you can get the credit report immediately according to the staff's instructions.

3. Self-service equipment viewing: customers can view it faster with self-service terminals, and they can get the credit report immediately after following the reminder.

What problems should be paid attention to in personal credit report?

1, query time is not equal to report time.

Query time refers to the time when the system receives the query application from the query operator; The declaration time refers to the time when your credit report is generated after the system receives the inquiry application.

2. Marital status information is not directly from the Civil Affairs Bureau, but provided by the financial institution where you handle business, and its content comes from the information you provide to the financial institution.

3. Information summary includes asset disposal information, guarantor compensation information, credit cards, housing loans and other loans, and summarizes the number of your accounts, overdue accounts and guarantees for others respectively.

4. The number of accounts is not equal to the number of credit cards.

The number of accounts means that there are several credit card accounts, several housing loans and several other loans in your name. It should be noted that the number of accounts is not equal to the number of credit cards. Generally speaking, dual-currency credit cards (including RMB accounts and US dollar accounts) are calculated by commercial banks according to the number of two accounts, and your credit report shows that the number of credit card accounts is 2.

5. The number of accounts that have not been cancelled and the number of accounts that have not been settled.

The number of unregistered accounts refers to the number of unregistered credit card accounts in your name (including active and inactive accounts). The number of accounts opened refers to the number of accounts opened for housing loans and other loans in your name.

6. Overdraft balance is not equal to the used line.

Overdraft balance and used line both reflect the amount of money you owe the bank (including principal and interest), but different business types use two expressions. Quasi-credit cards are displayed as "overdraft balance" and credit cards are displayed as "used line".

7. The overdue amount of credit card refers to the amount that you failed to repay on time or in full before the deadline of repayment date, and the interest (including penalty interest) and expenses (including over-limit fees and late fees) arising therefrom.