This paper briefly introduces the concept, inquiry address and inquiry method of personal credit records closely related to our lives. You can learn about credit cards and loans by inquiring your personal information records. 1. What is a credit record? A credit record is a comprehensive and detailed introduction of your borrowing in the bank, with a record of each repayment and outstanding debt. According to the relevant regulations of the state, personal credit records should be recorded for a long time. Once there is a bad credit record, you will follow the cardholder for at least seven years. Bad credit records will be automatically eliminated as long as they are repaid by card within 24 months.

2. On-site inquiry of inquiry address: the branch of the People's Bank of China where it is located. Internet inquiry: submit the application online and you can find the credit report the next day. The query website is as of the end of May 214. Internet query has been carried out in 18 provinces (cities, autonomous regions) of Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi, Guangdong, Zhejiang, Tianjin, Xinjiang, Shanghai, Hubei, Qinghai, Hebei, Anhui and Inner Mongolia. Anyone who holds an ID card of the pilot province (city, autonomous region). Other provinces (cities, autonomous regions) will gradually realize online inquiry.

iii. Inquiry method When conducting on-site inquiry, you need to bring the original and one copy of your valid ID card, fill in the Application Form for Personal Credit Report Inquiry at the inquiry outlet and submit the inquiry application. When searching online, you need to register users first, verify your identity online, and submit an inquiry application. There are two ways of identity verification: privacy question verification and digital certificate verification. If you pass the authentication, you will generally get SMS notification the next day. You can log on to the website to activate the user and check the credit report.