1. What are the ways to check personal credit? ?
1. Use the self-service inquiry machine of personal credit records for inquiry.
Using the self-service inquiry machine of personal credit report, you can print personal credit report in a few minutes, which is more convenient and fast.
1) When using the self-service inquiry machine for personal credit records provided by commercial banks, you only need to bring your ID card. The specific operation process is as follows:
A put your valid personal ID card on the credit record self-service inquiry machine? Second-generation ID card swiping? ;
System B 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.
D system will automatically print out the personal credit report of the inquirer.
2) There are 27 outlets in the self-service inquiry machine of personal credit records, which are mainly distributed in rural commercial banks, China Merchants Bank and Shanghai Pudong Development Bank. (The addresses of 27 outlets are attached at the end of the article)
2. Go to the branches of the People's Bank for on-site inquiry.
1) Check by yourself:
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 then submit the inquiry application. ?
Personal credit report and my inquiry form? All parts should be filled in, and each query information will be displayed in the query record.
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.
3. Online inquiry
1) Log in to the Credit Information Center of the People's Bank of China for enquiry: Click? Internet personal credit service platform? Inquire about personal credit records.
After entering the internet personal credit service platform, you need to register first and then verify your identity.
2) If it is the first inquiry, you need to register the user (fill in personal basic information such as personal name, certificate type and certificate number), set the user name and login password and remember them;
3) Online authentication and submission of inquiry application. There are three ways of identity verification: digital certificate, privacy question verification and digital certificate verification, and you can choose any one to verify.
There is a time limit for answering personal questions. Users who are unfamiliar with their own transactions may not pass the verification.
4) If you pass the authentication, you will be notified by SMS the next day (the mobile phone number filled in when registering), and you can log on to the credit website to inquire about your personal credit report.
Second, why do you need to know your credit status before lending?
By checking your credit status before lending, you can measure whether you can enjoy the preferential interest rate of the bank. If you have good credit, you can enjoy the preferential interest rate given by the bank; However, if you have an overdue record, the bank will be more cautious when lending, and you need to explain the overdue situation, and you may refuse to lend in serious cases.
Personal credit information is tainted, and the application for provident fund loans may be rejected, or the maximum loan amount may be reduced.
? 3. What do you think of personal credit report?
1. Credit part of personal credit report
The credit information part records personal credit cards, loans and other credit information in detail, including? Number of overdue accounts? 、? Number of accounts overdue for more than 90 days? And other information, will affect the personal credit evaluation, leading to difficulties in bank loan approval.
If you think there is an error in the credit record, you can apply to the branch of the People's Bank of China or the bank where the transaction took place.
2. The public record part of personal credit report.
Here are detailed records of tax arrears, compulsory law enforcement, administrative punishment and telecom arrears in the past five years. Banks will use this information as a reference to judge whether the borrower's personal credit is reduced or even refused.
Telecom arrears information will also be recorded in public records. Individuals should pay attention to developing good living habits and start with timely payment.
3. The inquiry record part of personal credit report
There are nearly two years of inquiry records, which will explain in detail the date, operator and reason of each inquiry. There are too many inquiries in the credit report, and there is no new loan and credit card information during this period. The bank will ask you to explain the situation. This situation will affect the bank's evaluation of your credit, so don't check your personal credit record too often.
Query records? It reflects the history of credit report inquiry, and shows which organization or who inquired about your credit report when and why.
When applying for provident fund loans, borrowers need to meet the credit requirements of banks. If borrowers want to maintain good personal credit, they should develop the habit of rational consumption at ordinary times, and pay attention to: live within our means, repay on time and avoid overdue.
Attachment: addresses of 27 outlets of personal credit record self-service inquiry machine.
1. China People's Bank Credit Information Center Beijing Branch (counter inquiry/self-inquiry)
Address: 907, Block A, Henghua International Business Center, No.26 Yuetan North Street, Xicheng District, Beijing
Tel: 68559206
2. Yin Bei Consumer Finance Company (counter inquiry)
Address: Floor 1, Block B, Zhongke Building, No.22 Zhongguancun Street, Haidian District, Beijing
Tel: 6252 1036
3. Beijing Rural Commercial Bank Liangjing Sub-branch (counter inquiry/self-inquiry)
Address: Floor 1, Liangjing Building, No.0/6, East Third Ring Road, Chaoyang District, Beijing
Tel: 96 198
4. Dawanglu Sub-branch of Beijing Rural Commercial Bank (self-inquiry)
Address: Building 3 15, Xidawang Road, Chaoyang District, Beijing.
Tel: 96 198
5. Beijing Rural Commercial Bank Chaoyang Branch Wangjing Branch (self-inquiry)
Address: No.0/30, Nanhu Zhongyuan, Chaoyang District, Beijing
Tel: 96 198
6. Huangcun Sub-branch of Beijing Rural Commercial Bank (self-inquiry)
Address: No.216 Xinghua Road, Huangcun, Daxing, Beijing
Tel: 96 198
7. Beijing Rural Commercial Bank Fengtai Branch Business Department (self-inquiry)
Address:No. 10 1 Xiju South Street, Fengtai District, Beijing
Tel: 96 198
8. Beijing Rural Commercial Bank Shijingshan Sub-branch Business Department (self-inquiry)
Address: No.78 Yangzhuang East Road, Shijingshan District, Beijing
Tel: 96 198
9. Tongzhou Sub-branch of Beijing Rural Commercial Bank (self-inquiry)
Address: No.63 and No.65 Liyuan North Street, Tongzhou, Beijing
Tel: 96 198
10. Yabao Road Sub-branch of Shanghai Pudong Development Bank (self-inquiry)
Address: Floor 1, China Resources Building, No.8 Jianguomen North Street, Dongcheng, Beijing
Tel: 85 192337
1 1. Shanghai Pudong Development Bank Economic and Technological Development Zone Sub-branch (self-inquiry)
Address: Floor 1, Building KLOC-0/9 (Daxiong Commercial Center), Erli District, Tianhuayuan, Yizhuang, Daxing, Beijing.
Tel: 67890778
12. Zhonghui Sub-branch of Shanghai Pudong Development Bank (self-inquiry)
Address: Floor 1, Ramada Hotel, No.214, Zhonghui Beili, Chaoyang District, Beijing
Tel: 64877966
13. Fuxingmen Sub-branch of Personal Loan of China Merchants Bank (self-inquiry)
Address: Downtown Street, Xicheng District, Beijing/Building 4, Courtyard KLOC-0/0E.
Tel: 95555
14. Zhongguancun Personal Loan Sub-branch of China Merchants Bank (self-inquiry)
Address: Floor 1, China Putian Building, No.6 North Second Street, Haidian District, Beijing.
Tel: 95555
15. Business Department of Haidian Branch of Beijing Rural Commercial Bank (self-inquiry)
Address: No.77 Suzhou Street, Haidian District, Beijing
Tel: 96 198
16. Business Department of Dongcheng Sub-branch of Beijing Rural Commercial Bank (self-inquiry)
Address: Floor 1, Block A (Huashilong International Apartment), No.37 North Third Ring East Road, Dongcheng District, Beijing.
Tel: 96 198
Beijing Rural Commercial Bank Xicheng Branch Business Department (self-service inquiry)
Address: No.4 Fuxingmenwai Street, Xicheng District
Tel: 96 198
18. Business Department of Huairou Branch of Beijing Rural Commercial Bank (self-inquiry)
Address: Yingbin North Road Sub-branch, Huairou District, Beijing 18 Business Department
Tel: 96 198
19. Business Department of Shunyi Branch of Beijing Rural Commercial Bank (self-inquiry)
Address: No.0/5, Xinshun South Street, Shunyi District, Beijing
Tel: 96 198
20. Beijing Rural Commercial Bank Changping Branch Business Department (self-inquiry)
Address: No.0/42, East Ring Road, Changping District.
Tel: 96 198
2 1. Beijing Rural Commercial Bank Mentougou Sub-branch Business Department (self-inquiry)
Address: Floor 1 Binhe Building, No.5, Binhe Road, Mentougou District.
Tel: 96 198
22 Beijing Rural Commercial Bank Fangshan Sub-branch Business Department (self-inquiry)
Address: Changhong East Road, Liangxiang, Fangshan District 1
Tel: 96 198
23 Beijing Rural Commercial Bank Pinggu Sub-branch Business Department (self-inquiry)
Address: No.8 Pingle Street, Xinping North Road, Pinggu District
Tel: 96 198
24 Beijing Rural Commercial Bank Miyun Branch Business Department (self-inquiry)
Address: No.25 Gulou South Street, Miyun County
Tel: 96 198
25 Beijing Rural Commercial Bank Yanqing Branch Business Department (self-inquiry)
Address: No.0/09, Dongwai Street, Yanqing County, Beijing
Tel: 96 198
26 China Merchants Bank Personal Loan Chaowai Street Sub-center (self-inquiry)
Address: Floor C 1, Chaowaimen Writing Center, No.26 Chaowai Street, Chaoyang District, Beijing
Tel: 95555
27 China Merchants Bank Chang 'an Street Sub-branch (self-inquiry)
Address:No.11Jianguomen Inner Street, Dongcheng District, Beijing
Tel: 95555
Source: Credit Information Center of China People's Bank.
This content is only used in Beijing.