How to query personal credit report online

Official Address of Credit Information Center of China People's Bank

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The first registration seems troublesome and the actual operation is simple. Just follow the instructions on the page when registering!

1. We can only check personal credit reports, and the credit records of financial institutions are more detailed than ours.

2, the number of queries should not be too much, and the query should be controlled once every two months.

3. When registering for real-name authentication, it is recommended to choose bank card UnionPay authentication.

4. It takes 12-24 hours to generate personal credit report. After applying for 12-24 hours, you will receive the identity verification code (valid for 7 days) from the Credit Information Center of the People's Bank of China, and then log in to official website to check the credit report.

5. After checking the credit report, it is recommended to download the PDF file and save it yourself.

On-line inquiry steps of personal credit report

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Tip: When searching personal credit information online, it is recommended to use a private computer instead of a public computer to avoid revealing personal information.

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Go to the home page of the platform and click Start Now.

Official website:

2

user registration

Click "New User Registration".

Fill in the identity information and verification code, agree to the service agreement, and then go to the next step.

Fill in the supplementary user information and submit it. Pay attention to login name, password, etc. According to the red reminder requirements.

After the registration is completed, the page prompts the user to register successfully.

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New users inquire about credit information.

Fill in the login name, password and verification code, and click "Login".

A novice navigator.

Changes in security levels.

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If digital certificate verification or bank card verification is selected, the platform will feed back the verification results in real time when applying online. You can choose whether to open the quick query. After the quick inquiry is started, you can quickly verify your identity and submit an inquiry application by entering the mobile phone dynamic code.

If the user selects the verification question, the verification result will be sent to the user by SMS within 24 hours after submitting the online registration application.

1)

If you choose bank card verification, please enter the following page:

First, click the "Get UnionPay Verification Code" button to jump to the UnionPay page. See "Bank Card Verification" for specific operations.

After obtaining the UnionPay verification code, enter the UnionPay verification code and the picture verification code, and the verification is completed.

2)

If you choose digital verification, please go to the following page:

Insert a digital certificate to authenticate the user. For more information, see Digital Certificate Verification. After verification, go to the next step.

3)

If you choose question verification, please go to the following page:

Please check my information carefully, answer the verification questions correctly, and then click Next.

Open quick query

Users who pass the digital certificate or bank card verification will enter the quick query page. After the quick inquiry is opened, you can quickly verify your identity and submit an inquiry application by entering the mobile phone dynamic code. Users can choose whether to open the quick query or not, and then click Next.

Select personal credit report and submit inquiry application.

Access to credit information products (non-real-time)

24 hours after submitting the inquiry application, the user logs in to the platform, clicks "Information Service"-"Get Inquiry Results", and enters the identity verification code sent by the platform into the user's mobile phone to view the selected credit information products.

After the submission is successful, the page displays the query results. (Example of query result of personal credit report is as follows)

See the official content for more details:

Go to the homepage of Credit Information Center of China People's Bank and click "Help Center" for more information:

T i p s

Please save the query results in the form of printing, taking photos and taking screenshots, and pay attention to show complete personal information and credit records and submit them to your property consultant. (as shown in the figure below)

What is personal credit?

In recent two years, the concept of "personal credit" has been mentioned more and more frequently: when you apply for a loan or a job, someone will always tell you what your "credit record" is. In fact, this credit record is your "economic identity card", which can be used to prove whether you are trustworthy or not.

At present, personal credit records are mainly recorded in the credit information system of the People's Bank of China, and the inquiry is provided to me in the form of credit R.

Bad credit has been recorded, so this credit information system is not a "blacklist"? You can't say that! Personal credit report is an objective record of personal credit history. Record personal debt repayment, contract performance, law-abiding and other information. There are not only bad information that you don't pay back the money according to the contract, but also positive information that you pay back the money on time.

12 will leave a bad record.

The credit card has been overdue for three consecutive times, totaling six times;

The monthly payment is overdue or unpaid for 2 to 3 months;

Loans overdue or unpaid for 2 to 3 months every month;

When the loan interest rate increases, the "monthly payment" is still paid according to the original amount, resulting in overdue interest;

Water, electricity and gas charges are not paid on time;

Personal credit card appears vicious cashing behavior;

Outstanding student loans;

Credit card overdraft and mortgage loan are not repaid on time;

When providing a guarantee for a third party, the third party fails to repay the loan on time;

Personal credit report will also record some economic judgments of the court. Therefore, economic disputes such as debt will also affect credit records;

Mobile phone debit is linked to bank card debit. If you don't go through the relevant procedures after the phone stops, it will also cause bad records because the monthly fee is overdue;

Others fraudulently use ID cards or copies of ID cards to generate credit card arrears records.

You'll like it.

Related Questions and Answers: Related Questions and Answers: How to inquire about personal credit information? How to query personal credit information is actually very simple.

1. online inquiry (short version of credit investigation)

2. Go to the credit center of the local people's bank (some banks can also inquire).

How to query credit information online (see Bian Xiao's article for a detailed version)

First of all, we should find the query entrance of the Credit Information Center of the People's Bank of China and search directly through the browser (Credit Information Center).

New users need to register after logging in to official website Credit Information Center, and they need a real-name registration system. After registering, log in, select the credit information to apply for, and select the verification method (it is recommended to choose a bank card for verification). After selecting the credit information to be queried (select all three items), jump to the UnionPay account verification page for verification, submit an application, and log in to the credit information center to check the results after receiving the SMS identity verification code. Time is within 24 hours, just wait patiently.

How to go to the bank or credit center to inquire?

In some areas, there is no People's Bank Credit Information Center to consult with local banks, and some banks can make credit information.

If there is a local credit center of China People's Bank, you can go directly. It's easy to bring your ID card. When making a credit report, please select a detailed version.

Keep good repayment, credit is priceless, and cherish it.