1. Bring my reasonable ID card account book and a copy of my reasonable real identity to the local people's bank branches and credit branches for enquiries.
2. Visit China People's Credit Information Center in official website.
It is free for individuals to inquire about personal credit report twice a year. If I check more than three times a year, 25 yuan will be deducted each time.
Second, the personal credit report on the impact of housing loans
1. When we submit a loan application to the bank, the bank will ask us to issue a personal credit report to determine whether we can get a loan. (Personal credit report and personal credit report have the same definition, and personal credit report is an alias of personal credit report. )
If our personal credit status is better, we are likely to get preferential treatment. However, if we have an overdue credit record, we may have to raise the price or even get a loan. It can be said that the personal credit report is an individual's economic identity card.
3. However, in the report, the bank can identify the repayment intention of the lender by querying the "historical time repayment record" in its personal credit report. Inquire about "number of loan orders" and "external guarantees" to judge whether to approve loans and credit lines. If the credit is good, the bank's credit line is sufficient and the lending speed will be very fast. If there are overdue credit records, banks will be more cautious when lending, which is not conducive to obtaining loans or increasing loan costs.
What are the banks supervised by funds? The banks supervised by the Fund mainly include Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Industrial Bank and China CITIC Bank.
Banks supervised by different city funds will be slightly different, so you can consult artists' brokers in the corresponding areas. It should be noted that soldiers cannot supervise funds by issuing bank cards, and must apply for a debit card under their personal name after opening an ID card; All credit cards and non-Beijing bank cards cannot be used for fund supervision; Bank of Industrial and Commercial Bureau: Peony Link Card used to pay traffic violation fines cannot be used for fund supervision business process; Infrastructure Bank: Bank cards marked "Clearing Pass" cannot be used for fund supervision business processes.