Log in to the Credit Information Center of official website and China People's Bank, click on the core business-Internet personal credit information service platform, click Start immediately, and follow the prompts to complete the operation. After passing the authentication, you can check your personal credit report with the "Identity Verification Code".
2. Counter inquiry of China People's Bank.
If you want to check the credit report, you should provide the original of your valid identity documents (ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the Mainland, etc.). ), and fill in the Application Form for Personal Credit Report, and keep a copy of my valid ID card for future reference.
3, self-service machine query.
I (who needs remote face recognition verification) need to bring my ID card to the local self-service inquiry machine for inquiry and printing.
Which banks will affect the daily credit investigation?
1, credit card overdue.
It is common in our daily life that credit card overdue repayment affects personal credit information. Using credit cards has become everyone's living habit. However, if the credit card is overdue for many times or the overdue repayment amount is large, or the personal loan and student loan applied for during college are not paid off in time within the prescribed time limit, personal mortgage and car loan will be affected.
2. Arrears of bank loans.
If the borrower has successfully obtained a loan from the bank, if it fails to repay the loan in full and on time as stipulated in the contract, it will leave a credit stain and it will be more difficult to apply for a house loan again.
3. Being a guarantor leads to a stain on credit information.
If the buyer provides a guarantee for a third party, the third party fails to repay the loan on time, which will also lead to a stain on the guarantor's credit information.
4. The debt is too high.
The bank will also check the borrower's debt when approving the loan. If the personal debt ratio is high, reaching more than 70% of personal income, banks will question their repayment ability and it is difficult to apply for loans.
In addition, if your credit report has been inquired by different banks for many times due to loans, credit card approval and other reasons within a period of time, and the records in your credit report show that you have not obtained new loans or applied for credit cards during this period, it means that the loans or credit cards you applied for have not been successful, and this information will adversely affect your obtaining new loans.
5. Water and electricity bills are in arrears.
Some cities also include the payment of water, electricity, telephone charges and other fees into personal credit information. If a person defaults on one or more of these fees for a long time, it will cause a bad credit record and affect the loan.