Go to the Nanjing branch of the People's Bank of China and just bring the original and copy of your ID card. You can see the credit report as soon as you enter the door. She will ask you why you can get it at the exit of Daxing Palace on Metro Line 2.
2. Does Zhongan Small Loan inquire about the credit limit?
Zhongan makes small loans and collects credit information. Zhongan Small Loan is an Internet platform under Zhongan Insurance, and the lender of funds is a bank or other licensed financial institution. Therefore, if users use Zhongan Small Loan overdue or illegally, they will be reported to the Credit Information Center, which will affect personal credit information.
Third, how to make a small loan if there are too many records of personal credit inquiry?
After a period of time, it is best not to frequently inquire about credit information in the near future when handling loans.
Four, how to check your credit, there are three ways.
1. Bring your valid ID and copy to the local branch of China People's Bank to submit an application and inquire about the credit report;
2. Online inquiry: users need to submit a credit inquiry application on the website of the Credit Information Center of the People's Bank of China, and print out a credit report according to the system prompts;
3. Bank self-service terminal inquiry: This method requires users to search online in advance which bank outlets in their city have this machine, and then go to the corresponding bank to inquire about credit information at the terminal.
The above is how to check your credit information.
Does checking personal credit information have an impact on credit information?
If the user personally inquires about the credit report, such inquiry will generally not affect the personal credit report. Because this view belongs to the "soft" view, the credit information will not deteriorate because the user personally checks the credit information. However, for example, banks, lending institutions and loan service platforms check credit information on the grounds of "credit card approval" and "loan review", which is a "hard" view. Once there are too many records in this view, it is easy to make a credit report of "Hua" users, and too many credit reports will affect users' future loan business. If users don't want to generate too many "hard" viewing history records, then users should be careful not to handle credit card and loan business frequently, so that there won't be too many hard viewing records on the personal credit information platform on the grounds of "credit card approval" and "loan review".
Why can't I check my personal credit?
1, the user's credit report shows that the user has been inquired by the lending institution many times for applying for credit cards and loans. And the frequency of this kind of hard inquiry is too much. In the future, when handling personal credit loans such as mortgages and car loans, banks may not pass loans;
2. Personal credit information is always checked, which will give lending institutions a feeling that users are short of money, so lending institutions will take this situation into account when they finally approve it. If the user does not have good repayment ability or strong assets as the backing, the loan application is likely to fail;
3. Personal credit information has three free inquiries a year. Too many inquiries, credit information is wasted. Going to the small loan platform may increase the loan cost.
This article is mainly about how to check the knowledge points about your own credit investigation, and the content is for reference only.