How to check personal credit record\x0d\\x0d\Credit card users have always been concerned about credit card records, so how to check personal credit record? What is the method to check personal credit record?\x0d\Personal Credit record inquiry\x0d\\x0d\1. Personal credit record inquiry method\x0d\ You can inquire at the local branches and credit reporting centers of the People's Bank of China. \x0d\2. Information required for personal credit record inquiry\x0d\ You need to inquire in person or authorize others to inquire on site. At that time, just bring the original and copy of your valid identity document, and the copy should be left with the inquiry agency for reference. Valid personal identification documents include: ID card, military officer ID card, soldier ID card, passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, residence permit for foreigners, etc. In addition, when making inquiries, you must truthfully fill in the personal credit report inquiry application form. \x0d\3. Personal credit record inquiry fee\x0d\Personal credit report inquiry is a service provided by the Credit Information Center of the People's Bank of China. In principle, a certain fee should be charged, but there is currently no charge. \x0d\Comparison of the old and new versions of the personal credit record system\x0d\1. A relevant person in charge of a bank said that it usually takes two or three months for personal credit information to be updated to the old version of the system. It only takes ‘T+1’ working days for the new version of the system to update this information. \x0d\2. The new version of the personal credit report is "downsized" - in addition to the personal name, ID number, query time, etc., there are only three types of information: credit records, company records and descriptions. Credit records are divided into credit cards, mortgages and other loans. If there are overdue loans, the number of times will be displayed. The 24-month repayment status, provident fund information, residential address, and workplace information listed in the old version are no longer displayed. Pension insurance, housing provident fund and other items are not included in the display scope of the new version. \x0d\3. The new version of the report reflects the overall situation and details of the credit card and loan businesses of the creditee and loan guarantees for others. The credit transaction information segment includes bank credit credit information summary, credit card summary information, quasi-credit card summary information, credit card summary information, loan summary information, loan guarantee summary information for others and credit card details, loan details, loans for others There are nine subsections of warranty details. \x0d\4. The new version of the credit report sets the starting point for overdue information in October 2009, and previous bad repayment records will no longer be displayed. In the old version of the personal credit report, overdue records will be displayed no matter how many years ago they were. The new version of the credit report only displays consumers’ overdue records within the last five years. The starting point of the 5-year period should be from the day when the overdue repayment is completed. If the overdue repayment has not been made, it will not be subject to the 5-year period. \x0d\5. The new version of the report removes personal information such as residential address, workplace, spouse information, annual income, pension insurance, and provident fund. However, the customer service staff of the Central Bank's Credit Information Center said that the workplace information is no longer displayed in the personal inquiry version of the credit report, but still exists in the bank inquiry version.