How to query personal credit report with mobile phone

Search for "Credit Information Center" in Baidu, click on the website of Credit Information Center of China People's Bank, and then select "Internet Personal Credit Information Service Platform" under the core business.

Click "Start Now" to enter the login interface, and after login, find "Apply for Credit Information" in "Information Service" on the left; Fill in the verification information, and then click Next.

Click "Get Credit Information" in "Information Service" after approval, check three pieces of credit information, then enter the identity verification code, and finally click "Submit" to query the personal credit report.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Application version: v 13.2

In addition, you can also query by SMS. Edit the short message "cx registered user name" and send it to "106980008899". After successful sending, wait 24 hours to receive the credit information.

If you want to use SMS to query personal credit information, you need to register an account in the credit information center first, and the security level is medium to high. Only in this way can we successfully query the personal credit report.

It should be noted that at present, the People's Bank of China has not authorized any third-party application (APP) to provide personal credit report inquiry service, so you must pay attention to safety when inquiring, and don't disclose personal information at will.

Personal credit report (also known as personal credit report) records personal loan repayment, contract performance, law-abiding and other information, which is an objective record of personal credit history.

For individuals, credit reports are mainly used for bank loans and credit card approval. For the whole society, credit report is of great significance for preventing and resolving financial risks, maintaining financial stability, improving the quality and efficiency of loan review, promoting the development of credit market, helping small and micro enterprises to raise funds and optimizing the business environment.

According to the relevant tips issued by the Credit Information Center of the People's Bank of China, the information in the credit information report mainly comes from lending institutions, public utilities, courts and government departments, and the bad information mainly refers to the information of breach of contract, tax arrears, court and administrative punishment, while the information that individual residents have loans or credit cards and repay them normally belongs to the positive information in the credit information report.

So generally speaking, the following six types of behaviors will cause bad credit records: first, they will not repay on time; Second, credit card overdue repayment; Third, when providing a guarantee for a third party, the third party failed to repay the loan on time; Fourth, failing to pay water, electricity, gas and communication fees on time or stopping related services without going through the formalities, resulting in arrears and overdue; Fifth, some economic disputes such as court decisions and debts; Sixth, the identity card was fraudulently used by others.