1, through official website, People's Bank of China:

You can log in to official website, People's Bank of China. After login and registration, select personal information service, fill in identity information, verify identity, and query after verification.

2. Inquire at the credit window of the local people's bank:

You can go to the counter of the local county people's bank branch. Provide the original valid identity document for inspection, and apply for viewing personal credit report. Generally, you can inquire twice a year for free.

When querying personal credit reports, you can query your overdue information in the information summary, including your credit records such as credit cards and loans. If there is overdue, the number of overdue times will be displayed. That is to say, if there is something wrong with your credit, it will be blacklisted by the bank if it is overdue for more than 6 times or for more than 3 consecutive times.

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The function of personal credit investigation:

1, borrow money. Now most financial institutions can find your credit report. If your credit report contains negative information and your debt is not repaid, it will be difficult for you to borrow from financial institutions. It is generally not approved.

2. Credit life. Now many enterprises have launched personal credit services such as deposit-free products and installment shopping. Most of these companies want to see your personal credit report. If there is negative information, the credit service may not be available. And people with good credit enjoy better service.

3. Travel is affected. Personal dishonest information will appear in the credit report. At present, the relevant state departments have regulations to restrict Lao Lai, who is untrustworthy and heavily in debt, from taking high-speed trains and planes.

How to query personal credit records

Personal inquiry, generally speaking, the time of personal inquiry is still relatively short, and the results can be known immediately. You can query by the following methods: (browser computer: macbookpro mos 14, open google version 92.0.4515.131).

1. Inquiring about personal credit reports on the spot Now many banks can directly inquire about personal credit reports. Generally speaking, if you are going to buy a house and want to inquire about your personal credit report before this, you can bring your original valid ID card+copy of your ID card+personal credit report inquiry application form and directly go to the branches and credit information sub-centers of the People's Bank of China for inquiry.

2. Inquire about personal online loan big data and credit blacklist online. If you have overdue records online, or have loan records on multiple platforms, then your records will be subject to big data risk control, and then your online lending platform will be frequently rejected, and even your flower garden will be closed. If your big data is abnormal, you can access your big data and credit status on WeChat public platform: check the letter, pay attention to enter the view, you can access all kinds of indicator data, and inquire about personal credit status, blacklist, online loan application record, application platform type, whether it is overdue, overdue amount, whether there are arbitration cases and other important data information.

3. You can also check personal credit records in official website, Credit Information Center of China People's Bank. Open official website, Credit Information Center of China People's Bank, and find the "core business" module. Find the "Internet Personal Credit Information Service Platform" and click "Start Now" to log in. After logging in, select the information to be queried and the query object, and fill in the personal information. After filling in the personal information, click the "send verification code" icon to receive the SMS verification code with the bound mobile phone. Then enter the verification code in the short message into the verification code filling area for verification. After successful verification, you will receive the "inquiry code" from the credit center within 72 hours. Use this "inquiry code" to inquire personal credit records.

4. For online banking inquiry of commercial banks, CITIC Bank: CITIC Bank opened online banking, obtained a USB key certificate, logged into the online banking of CITIC Bank, and clicked "Credit Report Inquiry" on the "Special Services" page. There is no limit to the number of queries, and the results are usually obtained on the second working day.

Finally, if you find that you have a bad record in your credit information, and this loan is your own information being used by others. Then we must communicate with the bank in time, provide evidence to prove that the loan was not handled by ourselves, ask them to issue a non-malicious overdue certificate, and then take this certificate to the personal credit management center to delete our bad records.

How to check if there is any problem with credit information?

There are two ways to query personal credit report:

The first is on-site inquiry: with the original valid ID card+copy of ID card+personal credit report application form, go to the local central bank branch and credit information sub-center for inquiry. According to the recent policy, individuals go to the counter to check their credit reports.

The second is online inquiry: log on to the central bank's personal credit information service platform:/. Register first, then fill in your real name and ID number. Generally, you will receive a text message from the system the next day. At this time, you can log in to the website of the personal credit information platform again for inquiry.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank. Personal credit report is an objective record of credit history, recording personal debt repayment, contract performance, law-abiding and other information.

Personal credit report is a document that records personal credit information issued by the Credit Information Center of China People's Bank. It can help financial institutions to quickly understand personal credit status. At the same time, good personal credit also plays an important role in many fields.