How to query personal credit records?

Personal account has been officially registered in the credit information center. Users can use the registered mobile phone number to edit the short message content "cx registered user name" and send it to "106980008899". After successful sending, you can receive a credit reminder on your mobile phone after waiting for 24 hours.

2, mobile browser query:

Users can access the website of Credit Information Center of China People's Bank in the mobile phone browsing box, select the Internet personal credit information service platform on the home page, and then log in to their personal accounts, after which they can make online inquiries.

Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and other services to help customers judge and control credit risks and conduct credit management.

Credit investigation is a professional and independent third-party organization that establishes credit files for individuals or enterprises and provides a platform for professional credit investigation organizations to enjoy credit information.

What do you mean by bad information? Bad information refers to information that has a negative impact on the credit status of the information subject, such as information that the information subject has not fulfilled its obligations in accordance with the contract in activities such as borrowing money, buying on credit, guaranteeing, leasing, insurance and using credit cards, information that the information subject has been subjected to administrative punishment, information that the people's court has judged or ruled that the information subject has fulfilled its obligations, and information that has been enforced.

What do some nouns of "overdue" information recorded in the credit report mean?

Did you see some terms used in the credit report to record "overdue"? It's actually quite simple. For example, the current overdue period number/amount refers to the current continuous overdue period number and amount; Overdue month refers to the month when the loan or credit card is overdue; The number of overdue months/amount refers to the number of months that an overdue behavior has lasted until now and the amount that should not be returned.

How long will the bad information be kept? A lifetime record of dishonesty? Bad information doesn't last a lifetime. The retention period of bad information is 5 years from the date of termination of bad behavior or event. For example, if 10' s mortgage is forgotten to be overdue, the overdue record will be automatically eliminated after 5 years from the date when 10' s mortgage debt is paid off.

What should I do if I find that the bad information record is wrong?

If you think there are errors or omissions in the information collected, saved and provided by the credit reporting agency, you have the right to raise objections to the credit reporting agency or information provider and ask for correction. After receiving the objection, the credit reporting agency or information provider shall mark the relevant information in accordance with the regulations, check and deal with it within 20 days from the date of receiving the objection, and give you a written reply.