1. Log on to the website of the credit reporting agency: log on to its official website through the credit reporting agency authorized by the People's Bank of China, such as the Central Bank Credit Reporting and Hundred Banks Credit Reporting.
2. Register a personal account: If you haven't registered an account yet, you need to register a personal account according to the guidelines of the website, and fill in your personal information for real-name authentication.
3. Inquiring about personal credit report: After logging into personal account, find the relevant options for inquiring about personal credit report on the website of the credit reporting agency, fill in personal identity information and verification code as required, and submit the inquiry application.
4. Confirm the identity: the credit reporting agency will verify the identity, possibly by means of mobile phone number verification, bank card verification, etc., to ensure that the inquirer is himself.
5. View the credit report: Once the authentication is successful, you can browse the personal credit report. In the credit report, overdue records are usually listed in detail, including overdue loans or credit cards, overdue time and overdue amount.
6. for overdue records: if overdue records are found, corresponding measures can be taken according to the specific information in the credit report, such as timely repayment and negotiation with relevant creditors or banks.
to sum up, to inquire about your overdue records, you can log on to the website of the credit reporting agency, register your personal account and inquire about your personal credit report to obtain relevant information. When checking the personal credit report, the details of overdue records will be clearly listed, including overdue loans or credit cards, overdue time and overdue amount. According to the specific information in the credit report, corresponding measures can be taken to solve the overdue problem.
Supplementary information:
The credit reporting agency is an institution authorized by the People's Bank of China to collect and manage personal credit information. Common credit reporting agencies include central bank credit reporting, Baixing credit reporting, CreditEase and so on. Personal credit report records personal credit status, including loan records, overdue records, guarantee records, etc., and is an important basis for financial institutions, enterprises and institutions to evaluate personal credit status. The data of credit reporting agencies have great influence on personal financial activities.