1. Online query: Log in to the official website of the Credit Reference Center of the People's Bank of China. Click to start immediately - New user registration - Select bank card/question/digital certificate method for identity verification - After passing, select credit report (summary, simple, complete) - Submit and wait for the identity verification code - Enter the identity verification code to view Credit report. If you choose to check the credit report online, the borrower does not need to bring any information. He only needs to fill in his personal information and receive an identity verification code.
2. Self-service query machine query: You can go to the local personal credit report query outlet and use the personal credit report self-service query machine, using face recognition technology and ID card. After successful comparison, enter your mobile phone number and you can print it. Simple version or detailed version of personal report.
3. Offline inquiry: Home buyers can choose to inquire at local branches and credit reporting centers of the People’s Bank of China. When you go to inquire, you must bring the original and copy of your valid ID. The copy must be left with the inquiry agency for reference.
What behaviors affect personal credit reporting
1. Overdue credit cards
Nowadays it is very convenient for everyone to apply for a credit card, so people who have credit cards now are very Many, but everyone must repay on time after using a credit card, otherwise it will cause overdue situations. Once the credit card is overdue, it will affect the personal credit report, so everyone should pay attention when using credit cards. Generally speaking, credit cards have continuous Three late payments or six cumulative overdue payments within two years, or failure to repay overdrafts will affect your personal credit score.
2. Too many credit inquiries
If you need to go to the bank to apply for a loan to buy a house, then everyone will definitely check their credit information before applying for a loan, and some People make inquiries more than once, but checking credit record records too many times will also affect personal credit records. Because the number of inquiries, which banks make the inquiries, and the purpose of the inquiries, etc., all objectively reflect the customer's credit level. If there is only one loan under your name, but your credit is inquired by multiple banks, then the bank has reason to doubt your ability to repay the loan. Not good and considered a risky customer.
3. Excessive debt
Nowadays, there are many channels for people to apply for loans, so some people will apply for loans outside the bank, but if you want to apply for Mortgage loans are definitely only available through banks. When approving a home buyer's loan, a general bank will also examine the home buyer's repayment ability and debt situation, so banks can also check your loan records elsewhere. If the bank finds that the debt ratio is too high If it is high and reaches more than 70% of personal income, banks will question its repayment ability and it will be difficult to apply for a loan.
How long does it take to eliminate bad credit records
1. Overdue loan records
According to the credit management regulations, overdue loan records will be included in the credit system Retained for 5 years. That is to say, after a loan is overdue, you need to wait 5 years before the record will be automatically deleted. Note that the 5-year period mentioned here means that it can be eliminated after 5 years from the date the user pays off the debt. If the borrower never repays the debt, the overdue record will remain.
2. Credit card overdue records
Credit card repayment information is recorded on a rolling basis in the central bank’s credit reporting system, and the recording period is 24 months. That is, only the personal credit reporting information is recorded on a rolling basis. You can see the usage of your credit card in the past two years. After the user has overdue behavior, he will pay off the debt in time, use the credit card continuously for 2 years, and maintain a good repayment record during the use. Then after 2 years, the bad records will be covered by good records. . However, if a credit card user cancels the credit card immediately after paying off the overdue amount, the bad records will be retained for a long time.