Where to check personal credit report
1. You can bring the original and copy of your ID card to the local branch of the People's Bank of China to check the credit report.
2. In addition, you can also log in to the People's Bank of China Credit Information Center website to independently query the credit report. The specific methods are as follows:
1. Use Baidu search and search for "Credit Report" , search to find the website of the Credit Reference Center of the People's Bank of China, and click to enter.
2. After entering, find the "Internet Personal Credit Information Service Platform" and click to enter.
3. After entering, find the "Start Now" item, and then click to enter.
4. After entering, enter the corresponding information to log in; if you are a new user, click New User Registration, and then follow the system prompts to register.
5. After logging in successfully, you can apply to check your personal credit report. Where to check your own credit report
How to check your personal credit report
There are three ways to check your personal credit report:
1. Log in to the Credit Information Center of the People's Bank of China Official website inquiry: Register as a user on the official website of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China; then submit a personal credit report inquiry application, and you can obtain the inquiry results and electronic report the next day;
2. Make inquiries on the self-service inquiry machines authorized by the central bank
Some commercial banks have self-service credit inquiry machines that use face recognition technology and ID cards. After successful comparison, enter your mobile phone number and you can print a personal report. Simple version or detailed version;
3. Go to the local branches and credit reference centers of the People’s Bank of China to inquire
For some home buyers, banks often require detailed versions of the credit information. Credit reports must be checked and printed at the local branches and credit reporting centers of the People's Bank of China.
Extended information:
1. How often is the credit report updated?
Credit report records are updated every 1-2 months. In other words, your loan record for the current month can only be seen in the credit report after the following month. Therefore, it is difficult for everyone to see the latest credit report, and there are currently regulations that even if the debt has been paid off, the bad loan records will still be retained in the credit report record for five years, and only after 5 years. , everyone’s bad credit record will be eliminated by the system!
2. Issues to note in the credit report:
1. The records in the credit report cannot be modified manually. Please do not trust the intermediary's words, otherwise you may suffer financial losses
p>
2. Although the credit report records will not be updated until 1-2 months, it is difficult for people who are overdue to use this time difference to apply for new loans
3. Not all loans Institutions are all connected to the credit reporting system, so the overdue records of some institutions cannot be found in the credit reporting report
As we all know, personal credit reporting records all borrowing behaviors of everyone in financial institutions. This is also an important basis used by banks to judge whether they can grant applicants loans. It can be said that without a good credit report, it will be difficult to get approved for loans, credit cards, etc.! Where can I check my personal credit report?
Four ways to check your credit report:
1. Bring your ID card and other documents to the local branch of the People’s Bank of China to check your credit report. Check the credit report at the window.
2. Individuals can also log on to the website of the Credit Information Center of the People's Bank of China at home. After registration, they can choose to check their personal credit records.
3. Individuals can also check credit reports on the official websites of China Merchants Bank and Bank of China.
4. Some banks’ mobile apps can now also check credit reports, such as: China Merchants Bank APP, etc. Check your credit report on the mobile banking app, and the credit report will be sent to your mailbox by email.
What are the credit databases?
1. Enterprise credit information database
After 10 years of collection, processing and entry by hundreds of branches, the daily With the hard work of hundreds of staff in optimization and maintenance, it already has a database of more than 20 million enterprises in China, involving 100 million pieces of valuable enterprise credit information, and the credit information can be traced back as far as 8 years, establishing a Chinese The largest database of corporate credit information.
2. Corporate credit information is divided into six categories
They are government regulatory information, bank credit information, industry evaluation information, media evaluation information, corporate operation information, and market feedback information. The government supervision information includes basic enterprise qualifications, quality inspection information, administrative licensing/identification, administrative rewards and punishment information, trademark/patent/copyright information, and People's Court judgments; bank credit information includes People's Bank of China credit evaluation information and commercial bank credit evaluation information. , small loan companies and private lending evaluation information;
Industry evaluation information includes evaluation information of industry associations (organizations), evaluation information of water, electricity, gas, communications and other public institutions; enterprise operations The information includes corporate financial information, corporate management system evaluation information; market feedback information (including real-name evaluation information of consumers, counterparties, partners, employees, etc.).
3. Ten-million-level enterprise database and millisecond-level keyword search
The enterprise database includes more than 90 domestic enterprises and some large foreign enterprises. The number of enterprise databases reaches thousands. level of 10,000, and due to the use of the most advanced retrieval technology, the time to search for enterprises in the system can be shortened to milliseconds, allowing users to have a good search experience.
4. Information collection channels
All data in corporate credit files are true and reliable data, and each piece of data retains the record of the original issuance for future reference and corporate questioning. Authentic and reliable information.
5. Error correction function
The authenticity of each credit file is subject to inspection and supervision by the enterprise and all walks of life. If discrepancies are found in the file, you can log in to the system to submit a modification application. Staff will handle it promptly every day.
6. Credit rights protection function
Enterprises can log in to the credit file management system and submit valuable corporate credit information to apply for adding their own credit files. All of them can be included after verification by credit investigators. to your credit file. This is also an effective mechanism for the continuous improvement of credit files.
7. Identify and distinguish stopped, revoked, and canceled enterprises
In the backend management system, staff can maintain the enterprise data in the enterprise database and process unclaimed enterprises according to the actual situation. Perform operations such as deleting and modifying basic information. Of course, this is subject to strict permission control. Companies that have registered or claimed can only modify basic information on their own, and staff have the right to inspect and supervise the information.
8. There is a clear distinction between trustworthy companies and dishonest merchants
The intelligent identification engine will automatically and accurately analyze each corporate credit file. Once it is discovered that the company has been inspected by relevant departments in the past year For unqualified products, the company will be automatically identified by the system as a quality-dishonest company, and vice versa as a trustworthy company. The intelligent recognition engine provides users with the first starting point to understand the enterprise.
9. Real-time comments and post-event supervision
Netizens can comment on companies, praise or complain about related companies. In terms of complaints, in order to better centralize data, various Complaints are divided into categories, such as "product quality", "service quality", "after-sales service", "overlord clauses", "false advertising", "fraud", "infringement", "environmental protection", "tax evasion", "Labor disputes", "private lending", etc. have become mirrors for corporate management and operations.
The comment management system allows companies to reply to netizens' comments, and netizens can also express satisfaction or dissatisfaction with the company's final reply. The final comments will be included in the company's credit file and stored permanently as the company's market feedback file.