1. Where can I check the credit report?
1. Bring your ID card to the Credit Information Hall of the People's Bank of China;
2. Log in to the Credit Information Center of China People's Bank for enquiry;
3. Some banks and lending institutions provide online and offline inquiry channels. For more information, please consult your cardholder bank or lending institution.
Second, the credit investigation and repair process:
1. Print a detailed credit report.
We should print out a detailed version of our own credit investigation report first. We can see the overdue records on it. After the investigation, you can communicate with the overdue institutions and ask about the overdue situation, so as to analyze and formulate the corresponding treatment plan. The overdue amount shown in the credit report is not necessarily the real overdue amount. The overdue amount you see may be a low repayment amount, which will be different in the process of handling. The credit survey of each family was uploaded at different times. When it is overdue, they will not go directly to the credit. Generally speaking, they will conduct a credit investigation before repayment on the second settlement date. There are new consumption records during the overdue period, which can be seen by overdue institutions. This is very important. Clear your mind, otherwise it will be difficult to appeal successfully.
Find the complaint point
After understanding the overdue situation, we need to find the complaint point, what are the reasons for the overdue, whether it is caused by subjective factors, and what problems these overdue have caused ourselves. We can file an objection appeal to the overdue institution, because objection appeal is everyone's right.
3. Oppose the appeal
Complain to the overdue institution, call the customer service of the overdue institution to express subjective demands, why to handle the overdue credit record, and whether there is any overdue due to the responsibility of the overdue institution, and appeal one by one according to the process.
4. Submit an objection application form
After the objection appeal, you need to fill in the credit information objection application form.
await the result
After submission, after the overdue institution replies, the successful institution will reply that the credit report has been corrected and how long it will be updated in the credit report. Of course, there is success and there is failure. Generally speaking, there is only one opportunity for credit investigation and repair. Don't operate blindly. Assign someone to do professional things to avoid missing a good opportunity to complain.