1. Log in to the central bank for credit inquiry. After entering official website, find the relevant options to view; 2. Go to the branches and credit centers of the People's Bank of China. Users need to carry a valid personal identity document to view it. The above is how to query personal credit score. What is a personal credit score? Personal credit score refers to another key product provided by personal credit reporting agencies in addition to personal credit reports. It is a method to predict and analyze the default probability of customers' loans by using mathematical models. Generally, the borrower's past repayment status and other characteristic indicators are taken as reference, and a continuous integer scoring result is generated through analysis. Generally speaking, the higher the user's score, the less likely the user will default on the loan, and the more likely the user will get the loan. When applying for a credit card, there will also be a comprehensive score. The comprehensive score of credit card is obtained through the applicant's ID card information, diploma, age, marital status, work, economic level, debt and personal credit status. If the customer is unqualified in one aspect, it may lead to insufficient comprehensive score, and then it will also lead to unsuccessful card opening. This article is mainly about how to query the relevant knowledge points of personal credit score, and the content is for reference only.
Second, how to check personal credit rating?
There are two ways to check personal credit.
Method 1: Local People's Bank.
Cardholders only need to bring their ID cards to the local people's bank for enquiry. Generally, the results can be produced in two working days. Cardholders can choose to go to the People's Bank to collect their own scores, or they can send them home by the bank. The postage is paid by yourself, and the specific amount needs to be consulted with the local people's bank.
Method 2: Internet personal credit service platform
In order to facilitate people to inquire about personal credit rating, the Credit Information Center has launched an Internet personal credit information service platform, where cardholders can inquire about their credit records online.
3. How to check personal credit score?
Personal credit records are kept in the credit information system of the People's Bank of China. ① You can try to log on to the website of Credit Information Center of China People's Bank to inquire about the credit report: please click here:/to inquire about personal credit records; ② At present, personal credit reports are also inquired through our counter and professional edition (no charge for the time being).
4. How to check personal credit score?
You can check with the credit management department of the local people's bank.
To inquire about your own credit report, you need to bring your valid identity documents to the credit management department of the local people's bank or the credit information center of the Beijing People's Bank. Provided by the institutions directly under the People's Bank of China, it is responsible for the daily operation and management of the basic database of personal credit information, and provides personal credit reports and related services.
At the same time, commercial banks can read the credit report when reviewing your credit application, but they must have written authorization; If you are already a borrower of a commercial bank or hold its credit card, the commercial bank can also read the credit report, but you don't need the authorization in the book. Of course, you can also provide it to other institutions according to your own wishes.
Extended data:
The main contents of personal credit rating:
1, which mainly includes personal actual performance records formed by personal credit relationship with financial institutions or housing provident fund management centers in institutions such as loans, guarantees, credit cards and insurance.
2. It mainly includes the name, identity document, stupid regret unique number, date of birth, marital status, spouse information, home address, contact number, etc.
3, mainly including personal tax, social insurance and personal property status and changes and other information. Records of civil, criminal, administrative litigation and administrative punishment that simultaneously affect personal credit status.