How to query personal credit information, and what are the self-service query outlets?

There are three ways of personal credit inquiry: self-service inquiry machine inquiry, online inquiry of the Credit Information Center of the People's Bank of China, and on-site inquiry of the branches of the People's Bank of China. Among them, there are 29 inquiry outlets of Beijing self-service inquiry machine.

First, why do you want to check personal credit?

Personal credit records affect the loan amount and whether the loan application can be approved. For example, to apply for a state-managed provident fund loan, you must first review the borrower's personal credit record; If the borrower is married, it is also necessary to review the spouse's credit record. The bad record of either spouse will affect the loan approval. The state-managed provident fund loans only review the credit records of the 24 months before applying for loans.

If the credit report shows bad credit, the maximum loan amount may be lowered or even the loan application may be rejected; On the contrary, if you have a good credit record, you may get a loan soon, even with preferential interest rates.

In addition, knowing the credit report and applying to the credit center or the bank where the business occurs in time to correct the wrong information can avoid bringing bad influence to yourself. Maintaining good personal credit information is conducive to enjoying preferential loans in the future and speeding up the loan review process.

The Necessity of Inquiring Personal Credit Information

2. What are the personal credit inquiry methods?

There are three ways of personal credit inquiry: self-service inquiry machine inquiry, online inquiry, and on-site inquiry of branches of China People's Bank.

There are three ways to inquire about personal credit.

1. self-service inquiry machine

Using the self-service inquiry machine of personal credit report can quickly print out personal credit report, which is more convenient and fast. When using the self-service inquiry machine for personal credit records provided by commercial banks, you only need to bring your ID card.

(1) operation flow

A. Put a valid personal ID card on the credit record self-service inquiry machine? Second-generation ID card swiping? ;

B. The system collects the face image of the inquirer on site, and then automatically sends it to? ID photo? With what? Live photos? Comparison;

C. If the comparison results are consistent, enter the mobile phone number of the inquirer according to the page prompts, and click the agree button after confirmation.

The system will automatically print out the personal credit report of the inquirer.

(2) self-service inquiry machine outlets

There are 29 outlets, mainly distributed in rural commercial banks, China Merchants Bank and Shanghai Pudong Development Bank (the addresses of 29 outlets are attached at the end of the article).

2. Online inquiry

(1) Registration of Personal Credit Information System

Log in to official website, Credit Information Center of China People's Bank, and enter the home page-Internet personal credit information service platform. Click? Start right away? And follow the prompts to complete the new user registration.

Click? Start right away? , fill in the relevant information as required to complete the registration.

(2) Personal credit information system login

After registering, you can log in immediately.

Login success page prompt

(3) Select the credit verification method.

After logging in successfully, you can choose the verification method that suits you: bank card verification, digital certificate verification or question verification. Among them, the first two ways can feed back the authentication results in real time, and the third way will feed back after 24 hours.

There are three verification methods, and the inquirer can choose freely.

(4) Query the credit report according to the identity verification code.

After selecting any verification method to submit, the mobile phone number at the time of registration will receive a message containing? Identity verification code? Information (when the pro-test multiple-choice question is verified, you will receive a short message containing the identity verification code about 6~7 hours after submission). On the information service-obtaining user information page, select credit information and fill in the identity verification code. After submission, you can see personal tips, summaries or detailed personal credit reports.

Fill in the identity verification code and submit it to see the personal credit report.

note:

The identity verification code should be properly kept, and it needs to be reapplied if it is lost or expired. The verification code is valid for 7 natural days, and the expired platform will be automatically cleaned up. Therefore, applicants should log in to check the results in time.

The receiving time of identity verification code SMS is influenced by many factors, which is subject to the actual situation.

Personal credit report part chart

Personal credit information summary

Personal credit information prompt

3. Go to the branches of the People's Bank of China for on-site inquiry.

You can query yourself or entrust others to query, and you can get the results on the same day.

(1) My query

You need to bring the original and 1 copy of your valid ID card, fill out the "Personal Credit Report Inquiry Application Form" at the inquiry outlets, and submit the inquiry application.

Personal credit report personal inquiry application form

Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, foreigner's residence permit, etc.

(2) Entrust others to inquire

If someone else is entrusted to inquire about the personal credit report at the inquiry point, the client shall provide the original valid identity documents of himself and the client and the notarized power of attorney, fill in the Application Form for Inquiring Personal Credit Report, and keep copies of the valid identity documents of the client and the agent and the notarized original power of attorney for future reference.

In addition, you can also fill in the "Personal Credit Report Inquiry Application Form" by yourself, which can be downloaded from official website, Credit Information Center of China People's Bank.

3. What are the inquiry outlets of the personal self-service inquiry machine?

At present, there are 29 self-service credit inquiry outlets in Beijing.

Xicheng District

1. China People's Bank Credit Information Center Beijing Branch (counter inquiry/self-inquiry machine)

Address: 907, Block A, Henghua International Business Center, No.26 Yuetan North Street, Xicheng District

Tel: 0 10-68559206

2. Beijing Rural Commercial Bank Xicheng Branch Business Department (self-service inquiry machine)

Address: No.4 Fuxingmenwai Street, Xicheng District

Tel: 0 10-96 198

3 China Merchants Bank Personal Loan Fuxingmen Sub-center (self-inquiry machine)

Address: Floor 4, Wing Hing Center, Chang 'an, Central Street, Xicheng District 1 0

Tel: 0 10-95555

4. China Construction Bank Shengfeng Sub-branch (self-service inquiry machine)

Address: Floor B, Hengao Center, No.9 1 Taipingqiao Street, Xicheng District.

Tel: 0 10-8808502 1

Dongcheng District

5. Yabao Road Sub-branch of Shanghai Pudong Development Bank (self-service inquiry machine)

Address: Floor 1, China Resources Building, No.8 Jianguomen North Street, Dongcheng District

Tel: 0 10-85 192337

6. Dongsishitiao Sub-branch of Beijing Rural Commercial Bank (self-service inquiry machine)

Address: Floor 1, Nanxincang Business Building, No.22 Dongsishitiao A, Dongcheng District

Tel: 0 10-96 198

7. China Merchants Bank Chang 'an Street Sub-branch (self-service inquiry machine)

Address:No.11Jianguomen Inner Street, Dongcheng District

Tel: 0 10-95555

8. Shanghai Pudong Development Bank Beijing Branch (self-service inquiry machine)

Address: Home Link Signing Center, No.5 Jincheng Jianguo, No.5 Jianguomen North Street, Dongcheng District

Haidian District

9. Zhongguancun Central Branch of the People's Bank of China (counter inquiry/self-inquiry machine)

Address: Floor 1, Zhongguancun Financial Building, No.6 Dan Ling Street, Haidian District.

Tel: 0 10-88655633

10. Business Department of Haidian Branch of Beijing Rural Commercial Bank (self-service inquiry machine)

Address: No.77 Suzhou Street, Haidian District

Tel: 0 10-96 198

1 1. Zhongguancun Personal Loan Sub-branch of China Merchants Bank (self-inquiry machine)

Address: China Putian Building 1 F, No.6 Beier Street, Haidian District.

Tel: 0 10-95555

12. Bank of Beijing Zhongguancun Chuangye Street Small and Micro Sub-branch (self-inquiry machine)

Address: Chuangye Conference Room, No.29 West Street, Haidian District

Chaoyang District

13. Beijing Rural Commercial Bank Liangjing Sub-branch (counter inquiry/self-inquiry machine)

Address: Floor 1, Liangjing Building, East Third Ring Road 16, Chaoyang District

Tel: 0 10-96 198

14. Dawanglu Sub-branch of Beijing Rural Commercial Bank (self-service inquiry machine)

Address: Building 3, Xidawang Road 1 No.5 Courtyard1Floor, Chaoyang District

Tel: 0 10-96 198

15. Beijing Rural Commercial Bank Chaoyang Branch Wangjing Branch (self-service inquiry machine)

Address: No.0/30, Nanhu Zhongyuan, Chaoyang District

Tel: 0 10-96 198

16. Zhonghui Sub-branch of Shanghai Pudong Development Bank (self-service inquiry machine)

Address: Floor 1, Olameida Hotel, No.214, Zhonghui Beili, Chaoyang District

Tel: 0 10-64872366

17. Shanghai Pudong Development Bank Beijing Branch (self-service inquiry machine)

Address: In the wheat field signing center of Fosun International Center, Building 237, Chaoyang North Road, Chaoyang District.

Shijingshan District

18. Beijing Rural Commercial Bank Shijingshan Sub-branch Business Department (self-service inquiry machine)

Address: No.78 Yangzhuang East Road, Shijingshan District

Tel: 0 10-96 198

Daxing district

29 Shanghai Pudong Development Bank Tianhuayuan Sub-branch (self-service inquiry machine)

Address: Floor 1, Daxiong Commercial Center, Building No.0/9, Tianhuayuan Erli, Daxing District

Tel: 010-67891180.

Fengtai district

20 Beijing Rural Commercial Bank Fengtai Branch Business Department (self-inquiry machine)

Address:No. Xiju South Street 10 1 Fengtai District

Tel: 0 10-96 198

Tongzhou district

2 1. Tongzhou Sub-branch of Beijing Rural Commercial Bank (self-service inquiry machine)

Address: No.63 Liyuan North Street, Tongzhou District

Tel: 0 10-96 198

Huairou district

22 Beijing Rural Commercial Bank Huairou Branch Business Department (self-inquiry machine)

Address: No.0/8, Yingbin North Road, Huairou District

Tel: 0 10-96 198

Shunyi district

23 Beijing Rural Commercial Bank Shunyi Branch Business Department (self-service inquiry machine)

Address: No.0/5, Xinshun South Street, Shunyi District

Tel: 0 10-96 198

Mentougou district

24 Beijing Rural Commercial Bank Mentougou Branch Business Department (self-inquiry machine)

Address: Floor 1 Binhe Building, No.5, Binhe Road, Mentougou District.

Tel: 0 10-96 198

Fangshan district

25 Beijing Rural Commercial Bank Fangshan Branch Business Department (self-service inquiry machine)

Address: Changhong East Road, Liangxiang, Fangshan District 1

Tel: 0 10-96 198

Pinggu district

26 Beijing Rural Commercial Bank Pinggu Branch Business Department (self-inquiry machine)

Address: No.8 Pingle Street, Xinping North Road, Pinggu District

Tel: 0 10-96 198

Changping district

27 Beijing Rural Commercial Bank Changping Branch Business Department (self-service inquiry machine)

Address: New Century South, Gulou South Street West Road, Changping District

Tel: 0 10-96 198

miyun district

28 Beijing Rural Commercial Bank Miyun Branch Business Department (self-service inquiry machine)

Address: No.25 Gulou South Street, Miyun District

Tel: 0 10-96 198

yanqing district

29 Beijing Rural Commercial Bank Yanqing Branch Business Department (self-service inquiry machine)

Address: Dongwai Street 109, Yanqing District

Tel: 0 10-96 198

Note: Due to time, policy and other factors, the location of the self-service inquiry machine may change. Please refer to the actual situation and make an inquiry after calling for confirmation.

Personal credit record is an important proof of whether you can get a smooth loan when buying a house. Therefore, buyers must keep personal credit records.

Sources: Notice on Adjusting the Measures for Personal Loan of Housing Provident Fund of Central State Organs, Business Rules for Inquiring My Credit Report in Basic Database of Financial Credit Information, and Credit Information Center of China People's Bank.

This content is only applicable to Beijing.