Where can I find the bad information in the credit report?

How to check if you have a bad credit record?

At present, there are two kinds of inquiry channels to inquire about all the credit information and online loan records of a person.

1, central bank credit report. You need to bring your ID card to the local central bank's outlets to inquire. The credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past five years.

2. After checking the credit report, you also need to check the online loan database. Just open the first page of WeChat and search: Youxuncha. Click Query, enter information and find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Extended data:

Personal credit information is damaged for several reasons:

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

2. The monthly payment is overdue for 2 to 3 months or not returned.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges are not paid on time.

6. Personal credit card has malignant tx.

Behavior.

How to check personal bad credit records?

Take the online inquiry of personal loan credit records as an example. Specific query steps are as follows:

1. First, search for "Credit Information Center" on Baidu website, find the option in official website, Credit Information Center of China People's Bank, and click Enter, as shown below.

2. Then after entering, find the "Internet Personal Credit Information Service Platform" and click Enter, as shown below.

3. Next, in the pop-up window, find "Start Now" and click Enter, as shown in the following figure.

4. Then, enter the login interface, enter the user name, password and verification code, and click Login, as shown in the figure below.

5. Next, after the record is successful, enter the personal account page, check the credit report under the column of credit application information, and click to get the dynamic password, as shown in the figure below.

6. Then on this page, enter the mobile phone dynamic password and click Submit, as shown in the figure below.

7. Next, after receiving the verification code, visit the credit information page, select the personal credit report, enter the verification code, and then click Submit, as shown in the figure below.

8. Finally, after submission, you can query the personal credit report, as shown in the figure below.

How to check whether there are any bad records in credit investigation?

Check whether there are any bad records in the credit report, and it will be clear at a glance to make a credit report. The inquiry methods of the credit report include: printing directly at the People's Bank of China. Or log on to the Credit Information Center of official website and China People's Bank.

Through the credit report, it depends on whether you have a bad record. At the same time, you can also find out the overdue amount, whether the overdue time exceeds 90 days, and the specific overdue time.

You can query 1 in these five ways, and all the mobile apps of major banks in China can apply for query; 2. China UnionPay Express APP applies for online inquiry; 3, the central bank's personal credit information service platform query; 4. The local central bank sub-center inquires about the credit report; 5. Designated bank outlets for self-service inquiry

If the credit report has a record of "three troubles and six troubles" in the past two years, that is, overdue behavior has occurred for three consecutive months, and the cumulative overdue behavior in the past two years has exceeded six times. In this case, it is very likely that you cannot apply for a loan.

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Where can I check personal bad information records?

You can query your own bad information records in both ways.

1. Bring your ID card to the local public security organ and credit information center, and you can inquire.

2. With the ID number, you can check online, not only your own, but also other people's bad information records.

So, how to check your criminal record online?

First of all, you need the ID number and name of the inquired person. If you can have a mobile phone number, you can find more data information of the person being queried.

Just open WeChat and click on the search in the upper right corner: Good Room Check.

Enter information, click Query, and find your own criminal information, which will be shared by data platforms such as public security, courts, procuratorates and network information centers across the country. Users can query their own big data and credit status, obtain various indicators, and query their own multi-dimensions and various important data information, such as network black index scores, blacklists, criminal records, criminal forms, court proceedings, judicial information overview, and the implementation of dishonesty.

All localities can increase the number of inquiry accepting units according to the actual local work and the needs of convenient service, and can also use online handling and self-service to carry out criminal record inquiry.