Can I check my personal credit report myself? How to check?

Hello, you can check your personal credit information yourself. The personal credit information system is inquired at the Personal Credit Information Center of the People's Bank of China.

There are two correct ways to query personal credit information: official website query and bank query:

I. official website Inquiry

1. Log on to the website of Credit Information Center.

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

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

4. After the new user registers, the user logs in and authenticates online.

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

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

Second, the bank query

With my ID card or the ID card of the client and the power of attorney, you can print it at the credit inquiry window of the People's Bank of China where you are located or the self-service credit inquiry machine that can inquire about some banking outlets, and you can see the personal credit inquiry.

Third, SMS query

In addition to the above two methods, users who have registered their accounts in the credit information center and have a security level of medium or above can also edit the short message "cx registered user name" and send it to "106980008899". After the SMS is successfully sent, they will receive the message 24 hours later.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".

The importance of personal credit investigation;

If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.

Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and gives you a fairer credit opportunity.