Where can I check whether I have bad records (including bank, criminal, etc.)

There are two ways to check my bad records.

1. Bring your identity document to the local central bank branch and public security agency to print credit reports and criminal records on your own.

2. You can also check your bad records online with your ID number.

So, how do we check our criminal records online?

First of all, you need the ID number and name of the person being queried. If you have a mobile phone number, you can query more data about the person being queried.

Just open WeChat and click Search: Haofangchacha in the upper right corner.

Enter the information and click Query to query your criminal information. The data is shared by data platforms such as the National Public Security Bureau, Procuratorate, and Cyberspace Administration of China. Users can query their own big data and credit status, obtain various indicators, and query their network black index scores, blacklist status, criminal records, criminal forms, litigation status, judicial information overview, breach of trust enforcement status, etc. Types of important data information, etc.

Based on the actual local work and the needs of convenient services, various localities can add inquiry acceptance units, and can also use online processing, self-service processing and other methods to carry out criminal record inquiries.

Check the credit card bad record, dear, come here

When applying for a credit card, one of the conditions that the card applicant must have is a good credit record. Once there is a bad credit card record, it is easy to Being turned away by various banks. So, today I will share with you how to check bad credit card records. Bad credit records are not confidential files, and everyone has the right to check the bad credit records of their personal credit cards. Bad credit records are reflected in personal credit reports, so you can learn the details of bad credit records by checking your personal credit report.

Two ways to check bad credit card records:

1. Go to the local People’s Bank of China to check

The Credit Information Center of the People’s Bank of China is a business directly under the People’s Bank of China Unit responsible for the collection, sorting, preservation, processing, analysis and display of credit information. Individuals can check their personal credit reports in person or through an agent.

1) Inquiry of credit report in person

If an individual inquires about credit report at the inquiry point, he should provide his original valid identity document for verification, and fill in the "Personal Credit Report Inquiry Application Form" at the same time. , and keep a copy of your valid ID for future reference.

Valid identity documents include: ID card (the second-generation ID card must be copied on both sides), military officer's ID card, soldier's ID card, passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan compatriots, and foreigner's residence permit Certificate etc.

2) If you entrust others to inquire about your personal credit report at the inquiry point, the agent should provide the original valid identity documents of the principal and the agent, and the authorization. The notarized certificate is for inspection. At the same time, fill in the "Personal Credit Report Inquiry Application Form", and keep copies of the valid identity documents of the principal and agent, and the original notarized certificate of authorization for future reference.

2. Inquiry through the bank where the account is opened

Inquiries about credit card bad records are the two methods introduced above. In addition, I would like to remind everyone that a good personal credit record is very important. Do not worry about repayment. Overdue, resulting in bad credit card records! If you are interested in applying for a credit card, there is a direct line to apply for a credit card.

How to check the credit card overdue record

The credit card overdue record query is as follows:

1. If an individual wants to check the credit card overdue record, he can log in to the People's Bank of China. Register and submit an inquiry application on the website of the credit center;

2. You can call the central bank credit center in various places to inquire;

3. Bring your ID card directly to the local credit center Credit center inquiry;

4. Personal information subjects have the right to obtain their credit reports for free twice a year.

Article 17 of the "Credit Reporting Industry Management Regulations"

Information subjects may inquire about their own information from credit reporting agencies. Personal information subjects have the right to obtain their credit reports for free twice a year.

Article 18

If you inquire about personal information from a credit reporting agency, you must obtain the written consent of the information subject and agree on the purpose. However, this is excepted where the law stipulates that inquiries may be made without consent.

Credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.

Article 19

If a credit reporting agency or information provider or information user uses standard contract clauses to obtain the consent of the personal information subject, it shall make provisions in the contract that are sufficient to attract the attention of the information subject. prompts and provide clear explanations in accordance with the requirements of the information subject.

How to check if you have a bad credit record?

There are currently two inquiry channels that can check all of a person’s credit and online loan records.

1. Central Bank Credit Report. You need to bring your ID to the local central bank branch to check. The credit report will show the user's lending platform, loan amount, loan period, negative information and other data in the past five years.

2. After checking the credit report, you need to check the online loan database. Just open the WeChat homepage and search for: Youxuncha. Click Query and enter information to query your own credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Your own personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit and other important data information.

Extended information:

The reasons for personal credit damage are as follows:

1. Credit card repayments are overdue three times in a row and six times in total

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2. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months in total

3. The monthly car loan payment is overdue or non-repayment in total 2 to 3 months

4. If the loan interest rate is raised, the "monthly payment" will still be paid according to the original amount, and interest will be overdue

5. Water, electricity, and gas bills are not paid on time

6. Personal Vicious arbitrage behavior occurs on credit cards.

That’s it for the introduction of how to check bad credit card records.