There are three ways to query credit information:
Bring your ID card to the local central bank credit information center for on-site inquiry.
Inquire through some bank ATMs or websites.
Log on to the website of the central bank's credit information center, register and submit an inquiry application.
The guarantee method stipulated in the guarantee law:
1, guarantee mode
The guarantor and the creditor agreed that when the debtor fails to perform the debt, the guarantor shall perform the obligations of the main contract or bear the responsibilities as agreed.
2. Mortgage guarantee method
When the debtor fails to perform the debt, the creditor has the right to discount the collateral or give priority to compensation with the price of auction or sale of the property in accordance with the provisions of the guarantee law.
3. Pledge guarantee method
The debtor or a third party transfers his movable property to the creditor's possession, or transfers his property right to the creditor's control, and takes the movable property or property right as the guarantee of the creditor's right.