The credit report can be printed or inquired online at the outlets of the People's Bank of China and commercial banks.
Go to the People's Bank outlets to print.
We can take my ID card to the People's Bank of China in person. There are self-service inquiry and printing machines in the lobby. Just verify the ID card, complete face recognition, and it is very convenient to apply and print. It should be noted that each person can print twice a year for free, and there will be a charge for those who exceed the need.
Go to the commercial bank outlets to print.
In order to facilitate the public to handle business, the People's Bank of China has also set up self-service machines at several large commercial bank outlets. Similarly, we can also bring our ID cards to print.
Go to print online.
In addition to offline printing, the central bank's credit information system also supports online inquiry. For example, we can log in to the central bank's credit information center for inquiry and printing in official website, China UnionPay Express APP and mobile banking of commercial banks. After verifying the personal bank card information, you can download the credit report, which is usually completed on the same day.
Contents of personal credit report:
1. Basic information: including personal name, ID card, name, date of application, date of issuance, marital status, etc.
2. Credit records: mainly the loan records that individuals apply to bank financial institutions, including a series of loan records such as credit cards, mortgages, commercial loans and student loans. Including a series of information such as settlement and unsettled.
3. Public information: personal information, communication, water, electricity, gas, tax payment and other information that individuals have applied for, and personal court information, such as whether they are included in the list of people who have lost their trust.
4. Objection record: If the inquirer has any objection to the personal credit information, the objection he applied to the banking institution can be reflected in this part by adding a statement. If there is no objection, there is no relevant record.
5. Inquiry records: personal inquiry records and relevant information of institutional inquiry. General banks will have this record when approving credit cards.
6. Description: It is the format clause of the Credit Information Center, including relevant information that needs attention, opinions on handling objections and the position of the Credit Information Center.
Brief introduction of personal credit information:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law. At present, personal credit reports are mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, personal credit report provides a way for individuals to examine and standardize their own credit behavior, and also forms a verification mechanism for personal credit information.
What problems in the credit report will affect the loan:
1. Malicious overdue, and the past credit card repayment is not timely, resulting in long-term overdue or overdue amount, overdue times are more; The student loan applied for during the university period was not repaid in time, resulting in more overdue times or longer overdue time; Malicious overdue due to failure to repay other loans in time, and so on. Malicious overdue is the most common situation that affects loans.
2. The personal debt ratio is relatively high. If residents' existing liabilities account for a relatively high proportion, reaching more than 70% of their personal income, it will have an impact on their application for loans. This is because every bank has regulations on the income-debt ratio of loan applicants, and the high personal debt ratio has a great risk of affecting their repayment ability.
3. Guarantee huge debts for others. If residents use their own property such as real estate to guarantee huge debts for others, their assets will be greatly discounted, and there is even the danger of potentially incurring huge debts. So the bank won't lend him money easily.
4. When residents apply for loans, credit cards and other credit products from the bank, the bank will check the residents' credit records. If the frequency of credit records is high, it means that the loan demand of the resident is too high and the risk is correspondingly high. Therefore, residents are not advised to apply for multiple credit cards at the same time.
Where can I print credit information?
Personal credit reports are generally queried by the self-service inquiry machine of the People's Bank of China, and then printed out. In addition, many bank outlets will also set up personal credit inquiry machines. Friends who want to print the credit report need to bring their ID cards to the relevant outlets for printing. In addition, you can also inquire, download the report and print it yourself in official website, the Credit Information Center of China People's Bank.
Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Reasons and reasons
If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money? Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company. It will be two weeks or more before the bank tells you whether to lend you money. It's really that the bank is tired and you are bored. Borrowing money is really troublesome.
The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reporting, when you borrow from the bank again, the bank loan officer can check your credit reporting with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank will provide you with loans. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks.
Where can I print the personal credit certificate?
At present, there are three ways to inquire about personal credit reports, namely, the People's Bank Credit Information Center, the People's Bank Credit Information Center official website and commercial banks. The credit report can check how many credit cards you have, how many loans you have, the number of inquiries by financial institutions, and whether they are overdue. Next, I will explain it to you from two aspects: the inquiry method and whether there is any problem with credit reporting.
First, the query method
At present, there are three query methods. The first way is to go to the offline institution (credit center) of the People's Bank of China or a bank outlet with a credit inquiry machine. Just bring your ID card. The second way is to register relevant information through official website, the Credit Information Center of China People's Bank, and apply online. You can download the extraction code sent by your mobile phone the next day. The third is to query through the APP of commercial banks, but there are fewer banks that have opened this function at present.
Choosing the first one is to print the paper version for free, and it is more detailed than the other two query versions, so the first query method is recommended first.
Second, how to see if there is a problem with credit reporting?
Banks see if there are any problems with your credit information, mainly in the following aspects:
(a) whether there is overdue.
Credit information will clearly show whether you are overdue, how many overdue periods and how much overdue. If some loan banks see that your credit card is overdue for only one or two days and the amount is only a few tens, they will be lenient. If it is other long-term overdue and the amount is large, it will basically be blacklisted by the bank. Only by eliminating the five-year record can they hope to apply for a loan again in a banking institution.