Personal credit refers to the collection, production and processing of personal credit information system by a personal credit information agency established in accordance with the regulations, and presents my credit information inquiry and evaluation business according to the needs of mobile phone users. Personal credit report is a personal credit history record that the credit reporting agency sorts out the information collected in accordance with the regulations and finally presents it to regular information inquirers in accordance with the regulations.

How to inquire about personal credit information system?

There are three ways to inquire about personal credit information, which can be conducted online through the self-service telephone line authorized by the central bank or at branches of the People's Bank of China all over the country. The effective way is to log on to official website Credit Information Center of China People's Bank for online inquiry. The operating steps are as follows: Open official website, click the core business-Internet technology personal credit information system integrated service platform-and click "Start now".

If you find a new user, you must register, fill in ID information > fill in customer information > register. If you find an old user, just enter the user name, login password and mobile phone verification code. When you log in to your account, you must pass the verification to get a credit report. Just use a bank card or personal digital certificate for identity verification.

Then choose any kind of credit report, in which the personal credit report is very detailed. After submitting the application for online inquiry, the mobile phone will get an identity mobile phone verification code within one week, and the mobile phone user will log in to the Credit Information Center of the People's Bank of China within seven days with this mobile phone verification code. If it is overdue or lost, it must be re-verified to get the credit report.

What are the behaviors that affect personal credit?

1, credit card or loans overdue record.

Credit cards or loans overdue records are very common, which will definitely hurt personal credit. Financial institutions stipulate that if an applicant's credit card or loan is overdue for three or six times, he cannot apply for a loan.

2. There are too many credit cards.

Compared with people with multiple credit cards, financial institutions have scientific and reasonable reasons to guess that they raise their cards with cards. Multiple cards indicate that the debt ratio is too high and the risk increases. The debt ratio here refers to the ratio of total liabilities to total assets at home. The calculation method is: debt ratio = total liabilities/total assets.