Dishonest persons refer to those who have committed financial breach of trust, breach of contract, or personal debts. Their untrustworthy behavior will be entered into the personal credit report, and the names of these people will also be entered into the breach of trust. List. There are two ways to check whether there is a breach of trust:

(1) Go to the bank where the loan is issued to check; (2) Directly log in to the official personal credit platform of the People's Bank of China to check.

1. Go to the bank where the loan is issued to inquire: As long as you give your ID card to the staff and connect to the Internet through the bank's machine, a detailed credit record about yourself will be printed out for you in a while. Including your current loans, credit card repayment records, etc., very detailed. This method is suitable for people who have time to go to the bank and have a detailed plan for their credit. They can always keep an eye on their credit status.

2. Directly log in to the official personal credit platform of the People's Bank of China for inquiry. You can inquire the overdue records of loans and credit cards in the past five years, and the overdraft records of quasi-credit cards for more than 60 days. and telecommunications arrears, etc. However, in order to protect the security of personal information, the results of online queries usually cannot be obtained until the next day.

Personal credit refers to your own credit records in banks and financial, telecommunications and other related institutions connected to the People's Bank of China credit system. It can be simply understood as a personal "economic ID card". The value of personal credit information has covered banks, insurance, securities, and even expanded to public transportation and real estate purchases.

The following common behaviors mainly affect personal credit:

1. Overdue credit card repayments 3 times in a row and 6 times in total;

2. Monthly mortgage payment Overdue or non-repayment for 2 to 3 months in total;

3. Overdue or non-repayment of car loan monthly payments for 2 to 3 months in total;

4. Loan interest rates increased. The monthly payment is still paid according to the original amount, resulting in overdue interest;

5. Failure to pay water, electricity, and gas bills on time;

6. Cashing out of personal credit cards;

7. Non-repayment of student loan arrears;

8. "Sleep credit card" will incur annual fees if not activated, and failure to pay will result in negative credit record;

9. Credit card overdrafts and mortgage loans were not repaid on time;

10. When providing guarantees for a third party, the third party failed to repay the loan on time.

11. The personal credit report will also record some economic judgments of the court. Therefore, financial disputes such as debt arrears will also affect your credit record.

12. Mobile phone deductions are linked to bank card deductions. If the relevant procedures are not completed after the mobile phone is deactivated, it will be overdue due to monthly rent arrears, which will also cause bad records;

13. Credit card arrears records are generated by someone else’s fraudulent use of ID card or ID card copy.

14. The information of the perpetrators of illegal construction shall be included in the credit record, and credit reporting methods shall be adopted for the illegal parties who still fail to fulfill the penalty decision after repeated reminders, and their basic information and illegal facts shall be provided to the credit reporting agency. Enter the credit system into the credit institution.

15. Traffic dishonesty is divided into three categories: general, serious, and serious. General dishonesty is mainly related to reminders and education, and serious and serious dishonesty is related to evaluation, career access, and personal credit. , vehicle insurance and other links.