1. Online inquiry (Inquiry by the Credit Reference Center of the People's Bank of China). Log in to the official website of the Credit Information Center of the People's Bank of China, click on the core business - Internet Personal Credit Information Service Platform, click Start Now, and follow the prompts to complete. After the identity verification is passed, you can view your personal credit report with the "identity verification code".

2. Inquiry at the counter of the People's Bank of China. If you want to inquire about your credit report in person, you should provide the original copy of your valid identity document (ID card, military officer's ID card, soldier's ID card, passport, Mainland travel permit for Hong Kong and Macao residents, etc.), fill in the "Personal Credit Report Inquiry Application Form" at the same time, and leave your valid identity document. Copy for future reference.

3. Self-service machine inquiry. You need to bring your ID card in person (remote face recognition verification is required) to the local self-service inquiry machine to check and print.

How to restore personal credit report?

1. If you want to eliminate the bad credit card records entered into the credit report system, one way is to refresh the credit record and overwrite the original record. The purpose of eliminating negative records and their impact. Because when a bank conducts a credit investigation, credit card records only show records for the last 24 months, and past records have no impact.

2. Therefore, when you have a bad credit card record, you must not cancel the card. You should insist on using it and repay it on time. In this way, the original negative credit record will be overwritten and a good credit record will be re-formed. , so that it will not have a negative impact on credit behavior.

3. Once the overdue bad credit card records are formed, they cannot be deleted. Credit card users can only wait for 5 years for the bad records caused by overdue repayment to be overwritten and deleted by the Bank of China system. Users cannot use other means to delete the bad records caused by overdue payments.

How banks classify problematic personal credit reports:

1. Pure white accounts and white accounts

Pure white accounts refer to those who have never Users who have applied for credit cards and loans have no records in the central bank's credit reporting system;

Baihu means that although they have applied for a credit card or loan, they did not pass the approval in the end, so there is no such thing. What loan history.

For banks, because your credit report is blank and cannot judge whether you are a trustworthy person, so in order to reduce risks, the loan rejection rate for giant cards is very high.

2. Credit bureau corruption, habitual overdue

The so-called lapses refer to your personal credit report being checked too many times by lending institutions (more than 3 times a month) ).

For example, frequent applications for credit cards and various XX loans in a short period of time will be recorded on the credit report. At this time, if you happen to be preparing to apply for a large loan, it will attract the attention of the bank, which thinks that you are very short of money in the near future and have a greater risk of overdue.

In addition, if you often repay one or two days late, or only pay the minimum amount, although it is not technically overdue, it is also a bad record.

3. Black accounts (blacklist)

Compared with the previous two categories, the situation of black accounts is much more serious. Generally speaking, as long as the loan is overdue for 6 months for three consecutive times, it will be blacklisted by the bank and will not be able to obtain a loan.

Once it becomes a black account, as long as the debt is not repaid and the account is cleared, this tainted record will exist forever; even if the debt is repaid, it will remain on the credit report for 5 years.