1. Changsha Credit Information Office of China People's Bank doesn't go to work on weekends and has a rest. Working hours are 8: 30- 17: 00 from Monday to Friday, and rest at noon.
Changsha Central Sub-branch of China People's Bank, Address: Loan Certificate Business Hall of Changsha Zhongzhi Credit Information Office of China People's Bank, No.2 Cai E Middle Road, Changsha; Tel: 0731-843011/843010.
Second, check the credit report.
1. i query Credit Report.
Provide the original valid ID card for inspection, and keep a copy of the valid ID card for future reference.
2. Entrust others to inquire about personal credit reports.
(a), provide the original valid identity documents of the principal and the agent for inspection, and keep copies of valid identity documents of both parties for future reference.
(2) Provide the original certificate of authorization issued by the notary office.
Extended data:
Influencing factors of personal credit investigation
1. The credit card has an overdue record. It is clearly stipulated that once the overdue record is generated, it will affect your personal credit rating, and you will not be able to enjoy the preferential interest rate of the bank or even get a loan. Therefore, avoid overdue repayment of credit cards.
2, personal debt is too high, such as loans, and the loan amount is large, accounting for 70% and 80% of income, then the credit rating will be low.
3. Personal credit information has been inquired by people other than myself for many times. If the personal credit information is inquired by other institutions for many times, it is likely that the credit information records are inquired because of borrowing from many institutions, which affects the loan.
4. Spouse's credit is very important. If you are married, your spouse's credit rating will be affected if his credit is bad, his credit card is overdue or his debt is too high.
References:
Bank of China Changsha Central Sub-branch-Personal Credit Report Inquiry Business Handling Tips
Where can I check personal credit records in Changsha?
You can bring the original and photocopy of your ID card to the Credit Management Office of Changsha Central Branch of the People's Bank of China (No.24, Cai E Middle Road, Changsha City, Hunan Province) to inquire about your personal credit report. Under normal circumstances, personal credit reports can be printed to you on the spot. If there are too many inquiries at that time, they will be provided to you within 3 working days.
Where can I make a credit report in Changsha? Is there one in Hexi?
There are five self-service inquiry outlets in Changsha, namely China Merchants Bank Cai E Road Sub-branch, China Construction Bank Hunan Branch, China Construction Bank Furong South Road Sub-branch, Huarong Xiangjiang Bank Jinxing Road Sub-branch, and Changsha Bank Xingcheng Sub-branch.
Self-service inquiry can be completed according to the voice prompts on the self-service inquiry machine without providing a copy of the ID card and filling in the inquiry application form. The steps are simple, and the whole journey does not exceed 2 minutes. In addition, the self-service inquiry machine uses "portrait recognition" technology and ID card reading technology to complete identity verification, which can effectively prevent others from stealing identity information to inquire about credit reports.
You can pay attention to "Sanxiang Credit Information", the official WeChat account of the Credit Information Management Office of Changsha Central Branch of the People's Bank of China, find the nearest credit report inquiry point through the "credit information inquiry" function, or make telephone consultation with the inquiry point. In addition, citizens can also check their credit reports through the Internet.
First, through the "Internet Personal Credit Information Service Desk" of the Credit Information Center of the People's Bank of China (), you can query personal credit information after completing identity verification and application review;
Second, citizens who hold debit cards from China Merchants Bank and China CITIC Bank Changsha Branch can log in to the online banking system with USBKey to check their credit reports.
Extended data:
Credit report: personal credit report records personal credit information, mainly including personal basic information and credit information (whether there are bank loans, overdue, credit card overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ), which will affect individuals' lending behavior in financial institutions.
For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. Therefore, the personal credit report is the personal economic identity card.
References:
Baidu Encyclopedia-Credit Report