Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information. Personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ; Credit transaction information, including credit card information, loan information and other credit information; Other information, such as personal provident fund and pension information.
In the early days of the establishment of the credit system, many people paid little attention to personal credit, so credit card or loans overdue behavior appeared, which had a great impact on personal work and life. Later, the launch of the new version of the central bank's credit report gave them the opportunity to re-establish and accumulate personal credit records. The previous arrears records were deleted, and the records after the launch of the new version of the credit report shall prevail. How does that man check his personal credit history? Nowadays, many mobile banking apps support personal credit inquiry. Take China Merchants Bank as an example, you can refer to the following methods:
1. Log in to version 9.5.0 of China Merchants Bank APP, enter the home page, and click City Service;
2. After entering the page, click on the personal credit report;
3. Enter the personal credit report inquiry page and get the SMS verification code to apply for personal credit report inquiry for free; If you need to download, just fill in the email address to receive the report;
4. After the report is issued, China Merchants Bank will inform you by SMS and email as soon as possible. You can access the report through SMS and email links.
5. Click "View Report" to view the contents of personal credit report; If you click "Query Records", you can also query the personal credit report records within one year through China Merchants Bank.