How to query personal credit information on mobile phone

Personal credit information can be queried by mobile phone through mobile APP, mobile browser and mobile phone short message. It is the most convenient and quick to query personal credit information through SMS, and you can receive the "simple version of credit information prompt" by sending SMS.

(running environment: Xiaomi11mui12.6.5, browser app1/0.0.377).

I. Credit Information System of China People's Bank

The credit information system of China People's Bank includes enterprise credit information basic database and personal credit information basic database.

1. The basic database of enterprise credit information was launched on 1997, and was inquired nationwide in July 2006. By the end of 20 14, the database contained more than 10000000 enterprises and other organizations, among which the construction of the basic database of personal credit information for more than 60000000 households with credit records began at 1999. By the end of August 2005, the network operation with all commercial banks and some eligible rural credit cooperatives in China was completed, and in June 2006 1. As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.

2. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks. The information source of the credit information system is mainly financial institutions such as commercial banks, and the collected information includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.

3.2065438+In April, 2009, a new version of personal credit report was launched, and the default of water fee may also affect his personal credit. /kloc-in June, 2009, China established the largest credit information system in the world. On June 5438+1October 65438+1October 9, 2020, the Credit Information Center provided the second-generation format credit report inquiry service for the public and financial institutions.

Second, the advantages of credit reporting

1, saving time

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.

2. Easy to borrow money

As the saying goes, "it's easy to borrow, but it's hard to borrow again." If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.

3. Credit reminder

If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.