1. if you don't want to go out in line, online inquiry is the best way, and you have two free inquiries every year. Just go to official website, the central bank's credit information center, click "Internet Personal Credit Information Service Platform" on official website, enter the personal inquiry page, enter the account number and password, log in, choose one of three ways: bank card verification, digital certificate verification and question verification, and get the inquiry verification code, then you can get the personal credit information report.
2. If you have used a credit card, open the personal credit report, and you can see the relevant details of all credit cards under your name in the bank credit transaction information, including the card issuing bank, the number of credit card accounts, the credit card limit, the account opening time, the activation status and so on.
3. If you find an extra credit card, you must call the issuing bank in time, transfer it to manual customer service, and ask the bank to cancel the credit card after verification. If the card is stolen after being issued under an assumed name, which affects the credit investigation beyond the time limit, you can file an objection application with the bank and ask to eliminate the bad credit investigation record.
1. How to repair the personal credit record:
1. Non-malicious arrears
In reality, there are many cases where the borrower is not maliciously overdue, such as temporarily unable to repay due to special tasks, emergency and other reasons. You can try to contact the bank, and suggest appealing to the issuing bank to explain the reasons, actively repaying, continuing to maintain a good credit, and having the opportunity to delete the credit stain.
2. The bank's active negligence
The bank is not completely correct. Sometimes (for example, the annual fee adjustment is not notified, etc.), which leads to overdue repayment, you can appeal to the bank in time, clarify the facts, ask the bank to eliminate the bad records of credit cards, pay attention to keeping relevant evidence, and complain to the higher-level financial institutions when necessary.
3. Overdue due to the failure of repayment by a third party
At present, there are many channels to repay credit cards, which may be overdue due to the delay in receiving the account. You can appeal to the bank and provide the fault in the third party's transfer behavior.
4. Small amounts of arrears are not paid back
Like credit cards, there is a grace period. Under normal circumstances, individual banks do not consider the unpaid amount less than that of 1 yuan as overdue. If it is recorded, they can communicate with the bank to cancel the record.
5. Personal reasons lead to overdue
Pay off the arrears in the first time, and never cancel the credit card or refuse to repay, otherwise it will lead to a greater credit crisis. In the future, more attention will be paid to credit behavior to weaken the previous bad records. Many banks will only look at the records of small loans for two years, and maintaining good credit will have little impact on future loan applications.