There are two ways to query credit information. The first way is to go to the branches of the People's Bank of China to inquire, but it is a waste of time to bring your ID card or other supporting materials when inquiring. The second way is to log in to the People's Bank of official website and China, and you can inquire after registering on the personal credit service platform. This method saves time.

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Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. In addition, when inquiring, you need to fill in the "Personal Credit Report Inquiry Application Form" truthfully.

Personal credit report inquiry is a service provided by the Credit Information Center of China People's Bank. In principle, a certain fee should be charged, but it is not charged at present.

Personal credit report is your "credit file", which comprehensively and objectively records your credit activities, such as loan principal and interest repayment and credit card overdraft. It mainly includes the following information: your basic information: including your name, ID number, home address, work unit, etc. This information tells commercial banks "who are you".

1. The main factors that may affect the personal credit risk score are: overdue repayment in loans, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

2. Article 25 of the Regulations on Credit Information Management: If the information subject thinks that the information collected, saved and provided by the credit information agency is wrong or omitted, it has the right to raise an objection to the credit information agency or the information provider and ask for correction. Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents. After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.