There are several ways to check your personal credit.

1. Go to the branch of the People’s Bank of China for on-site inquiry. You can bring your ID card to a branch of the People's Bank of China to check at the counter or print your own credit report. However, the People's Bank of China does not have many online loans, so you need to make corresponding arrangements in advance.

In addition, when you go to the People's Bank of China branch to check your credit report, you can only do it on working days. The People's Bank of China may not be open on non-working days, so you need to make appropriate time arrangements. When printing a credit report, you can choose to print a simplified version of the credit report or a full version of the credit report. A person can only print the credit report twice for free a year.

2. Go to a commercial bank authorized by the People's Bank of China to check your credit report. Because the People's Bank of China does not have many outlets, in order to facilitate credit checking, the People's Bank of China will authorize some commercial banks to have the function of checking and printing credit reports. You can call the local People's Bank of China to find out which commercial banks can check credit reports. Bring your documents. Just get over it.

Checking credit reports at commercial banks is similar to that at the People’s Bank of China. You need to handle business during the bank’s working hours. Similarly, a person can only print credit reports for free twice a year. Some banks also have permission to check credit information on their mobile banking.

3. Check on the official website of the Credit Reference Center of the People’s Bank of China. If you do not need to print the full version of the credit report, you can go to the People's Bank of China Online Credit Report Center, register and log in to your account information, and then apply to view your credit report.

However, the credit report queried at the online credit report center is a simplified version of the report. Through the simplified version of the report, you can have a general understanding of your credit report, but sometimes it cannot be used as a loan voucher. , this requires a certain understanding.

4. Check credit information through some third-party agencies. Currently, some third-party institutions, such as Beijian Sucha and Xiaoqixincha, have the function of checking online loan big data credit information. Just click to check immediately.

There are many ways to check personal credit reports. You can choose the appropriate method according to your actual situation.

If you are not sure about your online loan big data, you can check your online loan big data information on "Beijian Quick Check". This database cooperates with more than 2,000 online loan platforms, and the queried data is very accurate.

Extended information:

Will my family be sued if my online loan is overdue?

After an online loan is overdue for more than three months, the platform generally has the right to sue. However, it will not sue immediately after three months. Since litigation often takes a lot of time and effort, it is not easy to do so. Will sue. Unless it is really overdue for a long time, the amount owed is very high, and the platform has not responded to multiple reminders, then you may be sued.

Once sued, if the loan is not repaid according to the court's judgment, the court may enforce it and may even list the borrower as a defaulter. Everyone should also note that overdue payments will also have serious negative consequences. Penalty interest will be continuously calculated until the debt is paid off, and personal credit will also be damaged due to overdue payments.