A personal credit report is an evaluation of your own credit.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law.

Let me take Alipay as an example to share the method of checking personal credit~~

The specific operation method is as follows:

1. Open Alipay and click "Sesame Credit".

2. In the Sesame Credit interface, click "Credit Management" in the lower right corner.

3. In the credit management interface, select "People's Bank of China Credit Report".

4. After checking to also obtain the credit report, click "Add my People's Bank of China Credit Report" to view it.

It takes a long time to eliminate overdue personal credit reports

The "Credit Report Industry Management Regulations" promulgated in 2013 stipulate that bad records such as overdue credit cards will be automatically cleared after five years. It is difficult for the bank itself to judge whether the party has overdue in bad faith based on one side of the story, so it is difficult to issue a certificate of non-malicious overdue. Nowadays, many people on the Internet claim that as long as they pay money, they can help eliminate bad credit records. Don’t be fooled by such advertisements, because currently, no one except the People’s Bank of China Head Office can delete citizens’ personal bad credit records.

If you are indeed overdue but are in a hurry to get a loan, you can also try to consult with several banks, because each bank currently has different credit scoring standards, and it is difficult to determine whether the customer is a "bad credit customer" "The identification standards are also different. Some banks may be more flexible. For example, they may pay more attention to the credit situation in the past two years, but may be more "lenient" with regard to bad records two years ago.