1. Click the core business-Internet personal credit information service platform-and click "Start immediately".
2. if it is a new user, you need to complete the registration process, fill in the identity information > supplement the user information > complete the registration. If you are an old user, just enter your login name, password and verification code.
3. After logging in, you must pass the verification to get the credit report. You can use the bank card or digital certificate to complete the identity verification. Then choose any kind of credit report, in which the personal credit report is the most detailed.
4. After submitting the inquiry application, the mobile phone will receive an identity verification code within two days, and the user will log in to the central bank's credit information center with this verification code within seven days to inquire the results. If it is expired or lost, it needs to be re-verified to obtain the credit information verification code.
At present, there are three main ways to inquire about personal credit: first, you can go to the local branch of the People's Bank of China for on-site inquiry;
The second is to inquire about my credit reporting service through the Internet; Third, online banking inquiry, commercial bank agent inquiry and other service channels.
How to have a good personal credit record?
1. Remember the repayment date and repay in full and on time. Only by earnestly fulfilling the contract can we maintain a good credit record.
2. Live within your means and manage your own finances; Be careful not to be over-indebted.
3. Fill in the form truthfully to ensure accurate information; Notify the bank immediately if the information changes.
4. The repayment method needs to be carefully selected; Only when the money arrives can you really repay it.
In case of overdue payment, it is the best policy to repay immediately.
6. Pay attention to credit records and check personal credit reports regularly. In case of doubt, contact relevant banks or institutions in time to correct the doubtful information in time.
7. Identity documents must be properly kept; You should not provide identity information at will.
Compared with the central bank's personal credit report, the atmosphere of personal credit record is more extensive, and the institutions that publish it are more diverse. For example, Zhihu and Sesame Credit Score are all part of personal credit record. Generally speaking, it is more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report.