How to check personal credit?

Individuals can query their credit reports in two ways. First, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will read its credit report. Second, you can check with the credit management department of the People's Bank of China.

In addition to myself, only commercial banks can directly inquire about users' credit reports when handling loans, credit cards and other businesses and managing after loans, and commercial banks must also obtain users' written authorization in advance.

The People's Bank of China announced that in order to ensure the safety of personal information, individuals must conduct strict identity verification when inquiring their credit reports through the Internet. Only authenticated individuals can register as query users. At present, there are two authentication methods: digital certificate and privacy issue, and individuals can choose one of them for identity authentication.

After the individual registration application is submitted, the system will send the audit results and verification code to the applicant's mobile phone 24 hours later. If passed, the applicant should log in to the system for activation within 10 days, otherwise the registration information will be invalid.

Extended data:

Every citizen is very concerned about his personal credit report. Shao Fujun, director of the Credit Bureau of the People's Bank of China, once said that citizens can check their credit reports and raise objections if they find mistakes due to non-personal reasons.

First of all, you should bring your ID card and go to the credit information departments of branches and sub-branches of the People's Bank of China for enquiry. If you find a mistake, let's see whose fault it is first. If it is really a personal reason, there is nothing to say, and your own reasons should be corrected. If it is found that it is not personal, you can raise an objection and ask for verification.

You can report to the credit information department of the branch of the People's Bank of China, or directly to the credit information center, or directly to the commercial bank that submitted the information. The channels and mechanisms of error correction are relatively smooth.

Negative information is generally kept for seven years abroad, and bankruptcy records are generally ten years. China is still studying and formulating relevant laws and regulations on credit management, which will be clear in laws and regulations, but it is still under study.

References:

Baidu Encyclopedia-Personal Credit Records