First, check with banks or financial institutions.
Individuals can directly inquire about banks or financial institutions that hold their own liabilities. It is usually necessary to provide proof of identity and relevant authorization documents so that institutions can verify their identity and provide accurate debt information. The advantage of this method is direct and accurate, but it may take some time and energy to contact each institution one by one.
Second, apply for personal credit report
Personal credit report is a report that records personal credit status in detail, including debt information. Individuals can apply to the credit reporting agency to obtain their own credit report and know their debts. In China, the Credit Information Center of the People's Bank of China is the main credit information agency, which is responsible for managing and providing personal credit information services.
Third, online inquiry of official credit information platform.
In order to facilitate individuals to inquire about credit information, many regions have established official credit information platforms. Individuals can check their credit reports and liabilities online through these platforms. This method is simple and quick to operate, and is suitable for individuals who need to know the debt situation quickly.
When individuals inquire about the liabilities under their own names, they should ensure the legality and security of the inquiry channels, and avoid revealing personal information and suffering unnecessary losses. At the same time, individuals should carefully check the results of the inquiry, and if they have any questions or objections, they can complain or consult the relevant institutions in time.
To sum up:
Inquiries about personal liabilities can be made by applying for personal credit reports from banks, financial institutions or credit reporting agencies, or online through official credit reporting platforms. In the process of inquiry, individuals should ensure the legality and safety of inquiry methods and carefully check the inquiry results.
Legal basis:
credit reporting industry regulations
Article 15 stipulates:
Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.
People's Republic of China (PRC) Civil Code
Article 1 1 1 stipulates:
Personal information of natural persons is protected by law. Any organization or individual who needs to obtain other people's personal information shall obtain and ensure the information security according to law, and shall not illegally collect, use, process or transmit other people's personal information, or illegally buy, sell, provide or disclose other people's personal information.