Checking other people's credit records depends on the following conditions, as follows:

1. You can apply for checking other people's credit records with the authorization of others. Inquirers can query other people's credit records by providing the original valid ID cards of the principal and agent, the notarized certificate of authorization and the Application Form for Personal Credit Report.

2. Without the authorization of others, individuals cannot inquire about others' credit reports. At the same time, in daily life. If other institutions are authorized to inquire about personal credit information, the authorized institutions can inquire about personal reports at will. Please authorize credit report inquiry carefully to avoid revealing personal information.

The credit report is concerned with personal credit information, and it is private. No one or other financial institution or bank has the right to inquire unless I agree or authorize it. Generally, I need my consent or authorization to inquire about other people's credit information. When an individual applies for a credit card or online loan, the financial institution will ask the applicant to sign the letter of authorization for credit investigation. Only the signed letter of authorization has legal effect, and the financial institution can inquire about the applicant's credit investigation, otherwise it cannot.