Enter the Credit Information Center of China People's Bank, select the business "Internet Personal Credit Information Service Platform", register for the first time, complete security verification after registration and login, submit an inquiry application, and wait for the inquiry result for 24 hours.

2. On-site inquiry

At present, many banks can directly inquire about personal credit information. Generally speaking, if you are going to buy a house and want to inquire about personal credit information before this, you can bring your original valid ID card+a copy of your ID card+a personal credit report and go directly to branches and credit information sub-centers of the People's Bank of China.

What are the reasons for poor credit reporting? 1, credit card overdue.

I believe that most of my friends have credit cards. When using credit cards, you must develop good habits. We must remember the billing date and repayment period. It is common in our daily life that credit card overdue repayment affects personal credit information. Using credit cards has become everyone's living habit. However, if the credit card is overdue for many times or the overdue repayment amount is large, or the personal loan and student loan applied for during college are not paid off in time within the prescribed time limit, personal mortgage and car loan will be affected.

2. There are too many credit cards.

Some friends have more than just a credit card. They think more credit cards should be prepared just in case, but it should be noted that the number of credit cards will also affect the housing loan. When there are multiple bank cards in the hands of the buyers, the banks have reason to suspect that the buyers are raising their cards with cards, so they refuse to lend money to buy a house. If you use up all your credit cards, it will increase the probability of debt ratio, so if a bank borrows money, it will take more risks. The debt ratio mentioned here refers to the ratio of total household liabilities to total assets.

3. There are arrears and taxes in the public information.

Although this item will only be recorded in some cities, if you want to buy a house, these details can not be ignored. The arrears of publicity information mainly refers to the applicant's arrears of water, electricity, gas and mobile phone communication fees. , and recorded in the credit report. In severe cases, the bank may refuse the loan. In light cases, the buyer may be required to increase the down payment ratio, or the bank may raise the loan interest rate and reduce the loan amount.

Step 4 vouch for others

Friends, don't guarantee others just because you are the guarantor of others' loans, so if the borrower fails to repay on time, it may appear in your report. So in addition to urging the parties to pay off the money as soon as possible, what you can do is to nip in the bud. The loan guarantor has a great responsibility, so be careful before signing.

5. Other circumstances

Nowadays, flower borrowing has also spread to our lives. There is a big difference between these two items. The credit reporting agency corresponding to Ant Flower Garden is Sesame Credit, not the central bank's credit reporting, so it does not affect personal credit reporting. But now Sesame Credit cooperates with many financial institutions. If there is a "black spot", it will not be easy to borrow money from other places in the future. Borrowing is different. The docking is the loan of Ali Small Loan. Borrowing money and paying back money must upload the personal credit report of the central bank.