What are all the ways to check personal credit?

How should I check my personal credit information? What methods can be used to check credit for free?

Ways to check credit records

We have the following two main ways to check personal credit, both free of charge:

1, bank counter query: the applicant goes to the bank's business network to check the personal credit report.

2, self-service query machine query: most banks now provide a self-service query function, individuals only need to bring their ID card to the bank self-service query can be, generally about 1 hour to query the personal credit report. If the applicant to the self-service machine is not convenient, you can go to the unit, or go to the local People's Bank of credit service center for a "proxy card", will be their "proxy card" to the staff can be.

What are the services of the credit system?

The credit system mainly provides credit services for financial institutions, including:

1. Basic information: Record the basic information, business status and financial status of enterprises in various forms.

2. Credit information: providing loan application information and financing information for enterprises and individuals.

3, public **** records: including the detailed address of the inquiry agency, the contact information of commercial banks. Credit inquiry agencies include commercial banks, rural cooperative financial institutions and other financial institutions.

What happens after a credit inquiry?

Many people have the following situations after checking their credit reports:

1. Too many inquiries. Due to the need to build a personal credit system, most financial institutions provide personal credit report inquiry services, some users may have multiple inquiries about their credit reports, and there are errors in this inquiry. If there are any objections, they should contact the upper bank in time, inform the reason and file an objection application. If the bank does not deal with it in time, it will affect your ability to get loans from other financial institutions, and you may even be blacklisted, which will have an impact on your ability to apply for other loans in the future.

2. Using credit cards too much. The credit report shows the words "overdrawn consumption" or "has paid the loan" and other non-borrowing nature, when you see this kind of words in the personal credit report exists, it is likely that the borrowing violation, affecting the approval of your loan.

How to query personal credit, several ways to query credit records

Users can query their personal credit records through bank counters, self-service query machines, some bank APPs and the Internet. However, too many inquiries will make the bank think that the user may have applied for a lot of online loans, which is not conducive to the user's application for loans and credit cards.

Users maintain good personal credit, credit cards take a long time to build a good personal credit record.

Bad credit history can easily occur. For example, if a payment is late, there will be a bad credit card record, and these records will affect the success of credit card applications in the long run.

There are four common ways of checking personal credit:

1. Checking through bank counters

The most traditional way of checking is to go to bank counters to check personal credit reports. Users are required to bring along the original and photocopies of valid identification documents and fill out the Personal Credit Report Inquiry Application Form. Among them, personal ID card, military officer's card, soldier's card, passport, etc. are all valid documents.

2. Query through the self-service query machine in the hall.

Users can bring their second generation ID cards and inquire about their personal credit reports at the self-service machines. However, this type of query is limited to one query per version and can only be handled by yourself, not by an agent.

3. The following should be noted for inquiries through self-service machines:

Users should be about half a step away from the self-service machine, and the camera takes a picture to ensure that the user's complete picture appears in the view frame.

After checking the success of the personal credit report, you should check the number of pages of the report, and don't forget to bring your personal ID card when you leave.

4, commercial bank online banking inquiries

For example, in the CITIC Bank to open online banking, get a USB key certificate, log on to the CITIC Bank online banking, click on the "featured services" page of the "credit report inquiry". There is no limit to the number of inquiries, and the results are usually available on the second business day.

5, through the Internet inquiry

Users can also visit the People's Bank of China's credit center, successfully registered and activated account, you can check the credit report. Currently, the platform provides three authentication methods, one is bank card authentication, another is digital certificate authentication, and the third is question authentication.

How to check personal credit?

1, log on to the People's Bank of China credit center official website query

Enter the personal credit information service platform, register and log in, according to the page prompts to operate the borrowing, this way is more commonly used, but can not get the results right away, generally need to wait 24 hours, the next day in order to get a report on the personal credit information.

2, log in to the commercial banks of personal online banking or mobile banking app query

Mainly including industrial and commercial banks, agricultural banks, Bank of China, Bank of Construction, Bank of Communications, China Merchants Bank, CITIC Bank, Pudong Development Bank, Guangdong Development Bank, Bohai Bank, Ping An Bank, Everbright Bank and so on.

3, through the cloud flash payment app query

Chinese UnionPay launched a mobile payment software, but the query pilot service for the time being only in Shanghai, Guangzhou, Shenzhen, Hangzhou, Chongqing, Nanning, Changsha and Fuzhou 8 cities online.

4, offline operation of the pilot commercial bank self-service query machine query

The above mentioned commercial banks have some business outlets, providing a "personal credit self-service query machine", click on the self-service query machine on the personal credit report, put my original ID card, according to the page prompts will be able to query and print out! The following is a list of the most important things you need to know about your personal credit report.

5, go to the local branch of the People's Bank of China, sub-branches, business management department query

such as the People's Bank of China Shanghai branch, the People's Bank of China Changsha central sub-branch, the People's Bank of China Beijing business management department, etc., there are 36 branches, the web page to search for local addresses, remember to bring their ID card to go.

The above is about "personal credit how to check" the relevant content, the first three ways mainly through the computer, cell phone can be online query, the latter two are offline field query.

Query personal credit how to check

You can log on to the People's Bank of China credit center personal credit information service platform official website to query, the specific steps are as follows:

1, first open the official website to log on to the People's Bank of China credit center personal credit information service platform, enter your user name and password to log in.

2, login to enter, click on the left side of the personal credit report query, authentication mode select the problem verification.

3, then answer some verification questions, after the completion of the system will be prompted to notify the results in 24 hours by cell phone text message. Remember the query code, the next time you need to use when viewing personal information.

4, you can also query the summary information, ? If you submit a personal application, you will have to wait for the next day to get the result.