1. How to check personal credit report for free?
The personal credit information service platform of China People's Bank is a recognized credit inquiry platform in China, which is free of charge. Specific query steps are as follows:
1, go to the website:/
2, registered account login
3. Fill in personal information, such as ID card information and mobile phone number.
4. Face recognition.
5. Select the application to inquire about the credit report and submit it.
6. You can download the personal credit report after the audit is successful.
The above is the online inquiry method. If you want a paper version of the report, you can directly bring your real and valid ID card and print it at the People's Bank of China. Very convenient!
Second, how to repair bad credit records?
Bad credit records will have a great impact on your credit services such as loans and credit cards. Therefore, it is necessary to deal with bad credit records in time. Friends who want to repair their credit records can look at the following methods!
1, looking for bad credit records
The first thing to do is to find bad credit records, which can be found by querying personal credit reports by various credit reporting agencies. Because the records of credit services such as loans and credit cards will exist within 3-5 years, it is necessary to find and deal with overdue problems in time.
2. Timely repayment
If it is overdue or in arrears, the first thing to do is to repay it in time to avoid false accounts or late fees. If the repayment can arrive in time, the repayment record can be updated in time, and the impact on the credit record will be minimized.
3. Wait for the record to be updated
In the case of repayment, you need to wait for the update of the credit record. Generally speaking, when the user repays in full, it only needs to wait for 5 years to automatically reset. For the case that there are too many records to be queried, it also takes time to cover and update them, so you just need to wait patiently.
To sum up, the inquiry and repair of personal credit reports need attention. Only by knowing your own credit records and dealing with bad credit records in time can you better safeguard your credit and life.