What are the inquiry methods of personal credit report?

As the basic file of our credit, the credit report has deeply influenced our daily life, including buying a house by loan, buying a car by loan, installment consumption, credit card and so on. Once we need to deal with these financial services, business managers usually ask us to provide credit reports first.

But many friends don't know how to print the credit report, and they don't know where to inquire about the credit report. In this issue, Zhixiangrong will introduce you to five ways to inquire about credit reports:

The Credit Information Center of the People's Bank of China has credit information sub-centers in 3/kloc-0 provinces and 5 cities with separate plans. We can check the credit report at the counters of these sub-centers.

The specific process is relatively simple. Fill in the application form first, and then you can check the credit report.

Just bring your ID card when you inquire.

Similar to counter inquiry. Carry my valid ID card and use the self-service inquiry machine to complete the inquiry business.

All authorized bank outlets have credit inquiry machines, but not all bank outlets have them. Therefore, it is suggested to check whether the nearby banks have self-service before handling business.

Official website, the Credit Information Center of the People's Bank of China, can check the credit information report. Main operating procedures: entering official website-completing registration-logging in account-security authentication-receiving verification code after 24 hours-logging in official website to submit verification code-obtaining credit report.

The credit report provided by official website is a PDF document, which can be downloaded, saved and printed.

Online inquiry should have been very convenient, but it will take 24 hours to get the credit report. Therefore, when you are in a hurry, it is recommended to go directly through offline channels.

Online banking inquiry is similar to official website inquiry, but it is mainly conducted on the websites of commercial banks authorized by the Credit Information Center of the People's Bank of China, and the time for obtaining the report is 24 hours later.

At present, there are only two banks providing online banking inquiry: China CITIC Bank and China Merchants Bank.

Anyone who holds debit cards from China CITIC Bank and China Merchants Bank can log in to China CITIC Bank's personal online banking or China Merchants Bank's personal online banking professional edition with the mobile digital certificate of online banking (USBKey) to apply for checking my credit report.

The short message inquiry method is relatively simple, but there is a premise that you need to verify your personal information at the Credit Information Center of the People's Bank of China first, and choose to open a quick inquiry.

The content of credit information found by SMS is the simplest, including the number of accounts under the current name, the number of unsettled accounts, the number of overdue accounts, the number of accounts overdue for more than 90 days, the number of guarantees for others and personal information.

The above five kinds of credit inquiries should pay attention to two points:

1. Offline counters or self-service inquiry machines will be charged after a certain number of inquiries. According to the Regulation on the Administration of Credit Information Industry, the first two inquiries of personal credit reports are free of charge each year, and the service fee is charged for the third and above inquiries, and each inquiry is charged at 10 yuan. Online inquiry (including official website inquiry and online banking inquiry) and SMS inquiry are free for unlimited times.

2. The query reports of offline query, online query and SMS query are different. The credit report of offline inquiry is the most detailed, including detailed personal information, detailed liabilities, detailed repayment and the current status of each account. Online inquiry is relatively simple, mainly reflecting personal information, credit records, public information and inquiry information, while SMS inquiry is simpler, including the number of current accounts, the number of outstanding accounts and past overdue situations. Therefore, in order to plan funds more accurately, we still suggest that customers provide detailed offline inquiry credit report when formulating detailed financial solutions.

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