Bank personal credit inquiry I want to check my personal credit record. How to check?

At present, there are two ways to query personal credit records:

1, check with the credit department of the local people's bank.

2. You can log on to the personal credit information service platform of the Credit Information Center of China People's Bank for inquiry.

Credit records can be found in three aspects through the platform: personal credit information prompt, personal credit information summary and personal credit report.

Personal credit report online query steps:

After clicking "Register", you need to "agree" to inquire about the service agreement on the personal credit information service platform, and then you can enter the verification stage. You will see that there are two ways to choose from: "Digital Certificate Verification" and "Question Verification". If you have applied for a loan or have a credit card (including quasi-credit card) in use, and this information has been sent to the personal credit information system, you can choose between two verification methods, otherwise you can only choose the "digital certificate verification" method.

Need to be reminded that "digital certificate verification" is to verify identity through what we often say. At present, there are 77 banks that cooperate with the platform, but they do not include ICBC, Agricultural Bank, Bank of China, China Construction Bank, Bank of Communications and China Merchants Bank.

If the verification is successful, you will receive the inquiry code sent by the Credit Information Center of China People's Bank within 24 hours (valid for 7 days). With this query code, you will find your own credit record after logging in to the website. The same registered user can only submit an inquiry application once on the same day. During the 7-day validity period of the inquiry code, users can view the credit report many times.

List of pilot areas of Internet personal credit information service platform service

2065438+March 27th, 2003: Jiangsu, Sichuan, Chongqing.

2013101October 28th: Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong.

2065438+March 29th, 2004: Zhejiang, Tianjin and Xinjiang.

201April 26th, 4: Shanghai, Hubei and Qinghai.

It will be promoted nationwide in the future.

At present, everyone can check personal credit records for free at the People's Bank of China or the personal credit service platform twice a year.