Personal credit report can reflect whether a person's credit is good. Personal credit report will be checked when applying for a loan and handling some credit services. When there is a problem with the credit report, the loan will fail. If there are no overdue records or bad credit records in the personal credit report, it is considered good. The absence of overdue records means that the user has not repaid the credit card or the loan when it is due. Bad consumption records are It refers to someone who has been sued by others for using a loan or other matters, and lost the lawsuit.

There are many ways to check personal credit information. The simplest way is to go directly to the self-service printer at the bank counter to print your own credit report. Generally, any information such as loan records or overdue records that users have will be displayed in the report form when printing. Therefore, many bank loans require users to print a credit report.

Secondly, you can also check by logging into the official website of the People's Bank of China. If you find the relevant credit information service section, you can log in to check your credit information. You can also download it to your mobile phone and print it out to view. Can.

Once there are overdue records or other bad records in the credit report, they will generally be automatically deleted after 5 years. The prerequisite for deletion of bad overdue credit records is that the user has paid off all arrears, otherwise it will be deleted within 5 years It will still not be deleted after that. Therefore, when applying for various types of credit, you must repay on time, otherwise once there is a record of overdue behavior, it will hinder the loan in the next five years. If there is a situation of "three in a row and six in a row", this type of behavior is serious overdue behavior, which may lead to instant rejection of both the applicant and the credit business.