The personal credit report records personal credit information, which mainly includes basic personal information, credit information (whether there is a bank loan, whether there is an overdue credit card overdraft record, etc.), non-bank information (water, electricity, etc.) , payment information for gas and other public utilities, tax arrears, civil judgments, etc.). This information will affect individuals' lending behavior at financial institutions.

For example, when applying for a personal mortgage loan, banks need to see the credit report. If you have good credit, you may get a discount, but if you have a past due record, you may have to raise the price or even be unable to get a loan. It can be said that a personal credit report is an individual’s economic ID card.

Extended information

According to the "Interim Measures for the Management of the Basic Database of Personal Credit Information of the People's Bank of China"

Report Inquiry

Article 4 Personal You can go to the Credit Reference Center or a local inquiry agency to apply to inquire your own credit report or inquire the credit report on behalf of others.

Article 5 When applying to inquire about your credit report, you should provide the following materials:

(1) The original and copy of my valid identity document, and keep a copy of the valid identity document for future reference. .

(2) Fill in the "Personal Credit Report Personal Inquiry Application Form" truthfully (see Attachment 1).

Article 6 When submitting an inquiry application on behalf of others, the following materials should be provided:

(1) Original and copy of the valid identity documents of the principal and agent, and a copy of the valid identity document shall be retained The documents shall be kept for future reference;

(2) The principal authorizes the inquiry letter;

(3) The agent truthfully fills in the "Personal Credit Report Inquiry Application Form".

Article 7 Judicial authorities at or above the county level (including the county level) and other administrative departments with inquiry authority in accordance with the law (hereinafter collectively referred to as the judicial departments) may apply to the local inquiry agency to inquire about the relevant persons involved in the case credit report. When applying for judicial inquiry, the following materials should be submitted:

(1) Personal credit report assistance letter or introduction letter issued by the judicial department (including a description of the situation and the reason for the inquiry, the name of the person being inquired, and a valid ID number) ;

(2) The original and copy of the work ID of the person who applies for judicial inquiry;

(3) The person who applies for judicial inquiry should truthfully fill in the "Personal Credit Report" Judicial Inquiry Application Form" (see Appendix 2).

Article 8 After receiving an inquiry application, the inquiry agency shall conduct an on-site review of the information provided by the applicant (referring to the applicant, agent or judicial department handling personnel) in accordance with the provisions of Articles 5, 6 and 7. .

Article 9: For inquiry applications accepted on-site, the inquiry agency that has opened an inquiry terminal shall conduct an inquiry on the spot and print out the inquiry results and submit them to the applicant for signature.

Article 10 Inquiry agencies that have not opened an inquiry terminal shall register the inquiry applications accepted on-site into the "Personal Credit Report Inquiry Application Registration Form" (see Attachment 3, hereinafter referred to as the Application Registration Form), and Send the application registration form to the Credit Reference Center via the dedicated email address before leaving get off work on the same day.

Article 11 For inquiry applications forwarded by local inquiry agencies, the Credit Reference Center shall process them within 2 working days and return the inquiry results to the local inquiry agencies through a dedicated e-mail.

Article 12 After receiving the query results returned by the credit reporting center, the query agency that has not opened a query terminal shall feed back the query results to the applicant in accordance with the pre-agreed reception method within 2 working days. The reception methods that applicants can agree on in advance include:

(1) On-site collection. Applicants should collect the query results from the query agency that originally submitted the application within the agreed date.

When collecting the inquiry results on-site, the applicant must present a valid ID and inquiry application form, and sign the recipient of the application form.

If you directly submit the inquiry application, you cannot entrust others to collect it. If you entrust another person to submit an inquiry application, only the entruster or agent can collect it.

(2) Email or mail. The inquiry agency will send an email or express mail within the agreed date.

Applicants should indicate their email address or detailed correspondence address on the application form in advance. The cost of mailing is borne by the applicant.

Article 13 Before the introduction of the relevant management system for credit report inquiry fees, the inquiry department will not charge any fees for providing credit report inquiry services.

Baidu Encyclopedia-Personal Credit Report

Baidu Encyclopedia-Personal Credit Report Inquiry Service