Check your credit records: First, check with the local branches of the People's Bank of China; The second is to log in to the Credit Information Center in official website to apply for inquiry; The third is to apply for inquiry through online banking channels such as commercial banks authorized by the Credit Information Center and China UnionPay APP client.
You can directly go to the service hall of the Credit Information Center of the People's Bank of China to inquire about personal credit information records.
1. Find the location of the service hall of the local People's Bank first.
2. Prepare relevant items, such as ID card, bank card for credit dealings with banks, and some cash. Then take these related things to the local service hall of the People's Bank Credit Information Center.
3. Choose any counter in the service hall of the Credit Information Center of the People's Bank of China, and submit an application for inquiring personal credit information records to the counter service personnel. Usually, when inquiring about personal credit records in the Credit Information Center of the People's Bank of China, there are two opportunities for free inquiry every year.
4. After receiving the inquiry application, the counter service personnel will ask the applicant to show his ID card and other materials. After the applicant gives the ID card to the counter service staff, the counter service staff swipes the ID card on the card reader and inputs the identity information into the system for matching verification.
5. After matching verification, personal credit records will be displayed on the computer screen. Applicants can ask the counter service staff about the relevant credit information they want to know, or ask the counter service staff to help print a complete personal credit record report.
In addition to going directly to the service hall of the Credit Information Center of the People's Bank of China, you can also check personal credit information records in official website, the Credit Information Center of the People's Bank of China.
1. First, open official website, the Credit Information Center of the People's Bank of China, and find the "core business" module in the middle of the website.
2. Find the "Internet Personal Credit Information Service Platform" in the core business module, and then click "Start Now" to log in. After logging in, select the information to be queried and the query object, and fill in the personal information. After filling in the personal information, click the "send verification code" icon to receive the SMS verification code with the bound mobile phone. Then enter the verification code in the short message into the verification code filling area for verification.
3. After the verification is successful, the inquirer will receive the "inquiry code" given by the credit center within 72 hours. Use this "inquiry code" to inquire personal credit records.
How to check your own credit report?
Four ways to query credit information:
1. Individuals with ID cards and other documents can go to the credit information window of the local branch of the People's Bank of China to check the credit information.
Two, individuals at home can also log on to the website of China People's Bank Credit Information Center. After registration, they can choose to check their personal credit records.
3. Individuals can also check the credit report on the official website of China Merchants Bank and China Bank.
Fourth, now some banks' mobile apps can also check credit information, such as China Merchants Bank APP. The mobile banking app inquires about the credit report, and the credit report will be sent to your mailbox by email.
What are the credit databases?
1, enterprise credit information database
After the collection, processing and entry of hundreds of branches in 10 and the daily optimization and maintenance of hundreds of staff, there are now more than 20 million enterprise databases in China, involving hundreds of millions of valuable enterprise credit information, and the longest traceability of credit information can reach 8 years, thus establishing the largest enterprise credit information database in China.
2, enterprise credit information is divided into six categories.
They are government supervision information, bank credit information, industry evaluation information, media evaluation information, enterprise operation information and market feedback information. Among them, government supervision information includes enterprise basic qualification, quality inspection information, administrative license/recognition, administrative reward and punishment information, trademark/patent/copyright information, and people's court judgment; Bank credit information includes China People's Bank credit evaluation information, commercial bank credit evaluation information, micro-loan companies and private lending evaluation information;
Industry evaluation information includes industry association (community organization) evaluation information, water, electricity, gas, communications and other public institutions evaluation information; Enterprise operation information includes enterprise financial information and enterprise management system evaluation information; Market feedback information (including real-name evaluation information of consumers, counterparties, partners, employees and other different identities).
3. Tens of millions of enterprise databases and millisecond keyword retrieval.
Enterprise databases include more than 90% domestic enterprises and some large foreign enterprises, and the number of enterprise databases reaches tens of millions. Due to the use of the most advanced retrieval technology, the time for searching enterprises in the system can be shortened to millisecond level, which gives users a good search experience.
4. Information collection channels
All the data in the enterprise credit file are true and reliable, and each data keeps the record of the original voucher, leaving true and reliable information for future reference and enterprise query.
5, error correction function
The authenticity of each credit file must be inspected and supervised by enterprises and all sectors of society. If there is any discrepancy, you can log in to the system to submit a modification application, and the staff will handle it in time every day.
6. Credit right protection function
When logging into the credit file management system, an enterprise can submit valuable enterprise credit information to apply for adding its own credit file, which will be included in the credit file after being verified by credit investigators. This is also an effective mechanism for the continuous improvement of credit files.
7. Identify and distinguish enterprises that have been stopped, cancelled or cancelled.
In the background management system, the staff can maintain the enterprise data in the enterprise database and delete and modify the basic information of unclaimed enterprises according to the actual situation. Of course, this is strictly controlled by authority. The registered or claimed enterprise can only modify the basic information by itself, and the staff have the right to inspect and supervise the information.
8. There is a clear distinction between trustworthy enterprises and untrustworthy enterprises.
The intelligent identification engine will automatically and accurately analyze the credit files of each enterprise. Once an enterprise is found to have unqualified products inspected by relevant departments in the past year, the enterprise will be automatically identified as an enterprise with untrustworthy quality by the system, and vice versa. Intelligent identification engine provides users with the first starting point to understand the enterprise.
9. Real-time comments and post supervision
Netizens can comment on enterprises and praise or complain about related enterprises. In terms of complaints, in order to better collect data, they have subdivided various complaints, such as product quality, service quality, after-sales service, overlord clause, false advertising, fraud, infringement, environmental protection, tax evasion and so on.
The comment management system enables enterprises to reply to the comments of netizens, and netizens can also express satisfaction or dissatisfaction with the final reply of enterprises. The final opinion will eventually be included in the enterprise credit file and kept permanently as the enterprise market feedback file.
How to check personal credit?
1. Log in to official website, Credit Information Center of China People's Bank.
Enter the personal credit service platform, register and log in, and borrow money according to the page prompts. This method is commonly used, but it can't get the result immediately. Generally, it takes 24 hours to get the personal credit report the next day.
2. Log in to the personal online banking or mobile banking app of the commercial bank for inquiry.
Mainly including Industrial and Commercial Bank, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Bohai Bank, Ping An Bank and China Everbright Bank.
3. Inquire through China UnionPay Express app
China UnionPay launched a mobile payment software, but the inquiry pilot service was only launched in eight cities: Shanghai, Guangzhou, Shenzhen, Hangzhou, Chongqing, Nanning, Changsha and Fuzhou.
4. Pilot commercial bank self-service inquiry machine offline operation.
The above-mentioned commercial banks have some business outlets that provide "self-inquiry machines for personal credit information". Click on the personal credit report on the self-service inquiry machine, put the original ID card on it, inquire according to the page prompts and print it out.
5. Go to the local branches, sub-branches and business management departments of the People's Bank of China.
For example, Shanghai Branch of China People's Bank, Changsha Central Branch of China People's Bank and Beijing Business Management Department of China People's Bank. There are 36 branches in China. Please search the local address on the website and remember to bring your ID card.
The above is about "how to inquire about personal credit". The first three ways are mainly online inquiry through computers and mobile phones, while the latter two are offline field inquiry.
How do individuals query their credit information?
1. I can bring the original and photocopy of my ID card to the local branch of the People's Bank of China to inquire about the credit report.
Two, in addition, you can also log on to the website of the Credit Information Center of the People's Bank of China to inquire about the credit information report independently. The specific method is as follows:
1. Search for "credit report" with Baidu search. After searching, find the website of China People's Bank Credit Information Center, and then click Enter.
2. After entering, find the Internet personal credit service platform, and then click Enter.
3. After entering, find the item "Start immediately" and click Enter.
4. Enter the corresponding information to log in after entering; If it is a new user, click New User Registration, and then follow the system prompts to register.
5. After logging in successfully, you can apply for personal credit report inquiry.