You can check personal credit information for free in the following three ways: first, you can check on-site at the local branch of the People's Bank of China; second, log in to the official website of the Credit Information Center of the People's Bank of China; third , go to a commercial bank authorized by the People's Bank of China to make inquiries.

1. Conduct an on-site inspection of the branch of the People's Bank of China. When making on-site inquiries, you need to bring the original and copy of your valid ID, fill out the "Personal Credit Report Inquiry Application Form" on the inquiry website, and submit the inquiry Apply.

2. Online inquiry on the official website of the Credit Information Center. The specific steps for online inquiry are as follows: 1. Open the official credit information website, select the Internet Personal Credit Information Service Platform to enter the official website of the Credit Information Center of the People's Bank of China, and click on the upper right corner "Register";

2. Register a personal account and log in to the personal credit system;

3. Fill in the user's supplementary information and click "Submit";

4 . Log in successfully, click "Information Services" and select "Change Security Level";

5. Select "Get Credit Information" in the information service to obtain a personal credit report.

It should be noted that the first two inquiries of the People's Bank of China's credit information system each year are free, and the last two inquiries are both 10 yuan. If the information reflected on the platform is not enough to verify your identity, it may be because you have not applied for a credit card before, and Yinqiao needs to check on the website.

3. You can consult a commercial bank authorized by the People’s Bank of China.

According to the "Interim Measures for the Management of Basic Database of Personal Credit Information", some commercial banks authorized by the People's Bank of China can also query personal credit information when handling credit business for customers. However, before a commercial bank inquires about personal credit information, it should obtain written authorization from the person being inquired. Therefore, when inquiring about personal credit information at a commercial bank, in addition to personal valid documents, you should also bring a standard "Personal Credit Information Inquiry Authorization Letter". Specific formats and standards can be obtained from the People's Bank of China and other institutions.

Credit reporting refers to the collection, sorting, preservation and processing of credit information of natural persons, legal persons and other organizations in accordance with the law, providing services such as credit reports, credit evaluations, credit breakdown information consultation, etc., to help customers judge and control credit risks , carry out credit management activities. From the "Eight Years of Zuo Chuan Zhao Gong", "A gentleman's words must be taken seriously if they are believed, so the resentment will be far away from the body." Among them, "letter signature" means that it can verify its integrity, or solicit and verify credit.