How to check the credit information on the mobile phone is free?

How to inquire personal credit information by mobile phone for free: You can inquire through official website or SMS.

1, qq browser searches for "Credit Information Center", and "Credit Information Center of China People's Bank" will appear, and the words marked with blue official website are formal. After opening official website, click "Internet Personal Credit Information Service Platform"-try it out immediately, and you can enter the registration login page. After logging in, you can complete the authentication.

Operating environment:

Brand model: Huawei mate30

System version: HarmonyOS system 2.0.

App version: 12. 1.5.5043

2. SMS: This method is the most convenient and fast. You can receive a "simple credit information prompt" by sending a short message. The specific operation method is as follows: you must first register an account in the credit information center, and the security level is medium or high. Edit the short message "cx registered user name" and send it to "10698000899". Wait for 24 hours after the transmission is successful.

1. Definition: Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to users' requirements.

Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law. As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records. ?

Two. Function: At present, credit reports are mainly used in various consumer credit businesses of banks.

With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

III. The main factors that may affect the personal credit risk score are: repayment by loans overdue, or failure to repay by the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Fourth, credit information:

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers; 5. Other information related to personal credit.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved. The Measures for the Administration of Credit Information Business, adopted at the 9th executive meeting of the People's Bank of China on September 30th, 2002/KLOC-0, is hereby promulgated and shall come into force as of June 30th, 2022.