1. What is a credit report?
Literally, a credit report can be understood as collecting all credit-related records and reflecting them in a report. Credit report can be divided into personal credit report and enterprise credit report according to different credit objects. The credit report is issued by the Credit Information Center of the People's Bank of China, which records the credit information of individuals or enterprises. The report is mainly provided for relevant individuals or institutions in need to inquire or consult. A complete credit report A credit report mainly includes three aspects, namely, personal basic information, credit transaction information and other information. Individuals or enterprises, in their daily life and production and business activities, all credit-related transaction information will be truthfully presented in the credit report. Credit report is like a mirror, which records all personal behaviors.
Second, how to print the credit report
Individuals or enterprises who want to check their credit reports can directly log on to the official website of the Credit Information Center of the People's Bank of China through a computer browser. The first time you log in, you need to register your account with your personal ID number. After registering your account, you can find your own credit report online. But online can only be queried, and there is no printing function. If you want a paper credit report, you need to print it at the local people's bank. It's convenient to print the credit report now. The People's Bank of China has a self-service terminal. There is no need to queue up at the counter to print, and individuals only need to carry their personal ID cards to print.
Third, don't check the credit report frequently.
Individuals or enterprises who want to inquire about credit reports must control the number of inquiries. The number of inquiries a year, it is best not to exceed three. Because there are too many questions, it will have a certain impact on individuals or enterprises. Generally speaking, if it only involves the printing of credit report, the negative impact may be slightly smaller. But in general, it is necessary to control the number of times. Because every time a user logs on to the website or goes directly to the self-service terminal to inquire about the credit report, it will be recorded this time and reflected in the central bank's credit information system. It is impossible for a normal person to check his credit report so frequently, so there must be some institutions that have doubts because of the different operation behavior from ordinary people. When the user really needs to check the credit report because of the loan application, it is possible that the lender thinks that the lender is short of funds because of too many times of checking the credit report, thus doubting the lender's repayment ability.
Lujiazui credit report can be printed by the local people's bank. The People's Bank of China has a credit self-service printing machine. Users who need to print can print as long as they bring their personal ID card. The inquiry and printing procedure of credit report is simple and convenient.