How often is the personal credit information system of China People's Bank updated?

If the business-related institutions have reported the data, they will update it within 1 to 2 months after reporting the data. When you check the personal credit report, you will generally see the records from/kloc-0 to 2 months ago. For example, when you query in August, you may see records in June and July. There are two times involved here: 1. After your business data changes (such as your repayment), how often do your business-related institutions report to the People's Bank of China? 2. How long does it take for 2.PBOC to successfully update the data after receiving it?

The data of the credit center shall be reported by banks or other financial institutions. The bank will send your usage records to the central bank for credit information every month, which means your bank credit information records will be updated every month. Some netizens said that the update date depends on the billing date of your credit card account, and so on.

At present, the information sources of credit information system are mainly financial institutions such as commercial banks, including basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.

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 the requirements of users. 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.

References:

Baidu Encyclopedia "Personal Credit Information"