Is the Credit Reference Office of the People's Bank of China in Changsha open on weekends? What are the working hours? What materials are needed to check personal credit record?

1. The Credit Information Office of the People's Bank of China in Changsha does not work on weekends and is closed. Working hours are 8:30-17:00 from Monday to Friday, with a break at noon.

Changsha Central Branch of the People's Bank of China, address: Loan Certificate Business Hall, Credit Reference Office, Changsha Central Branch of the People's Bank of China, No. 2 Cai'e Middle Road, Changsha City; consultation hotline: 0731-84301211/84301210.

2. Inquiry of credit report

1. Inquiry of credit report by myself

Provide the original of my valid ID for verification, and keep a copy of the valid ID for future reference.

2. Entrust others to inquire personal credit reports as an agent

(1) Provide the original valid identity documents of the principal and the agent for inspection, and keep copies of the valid identity documents of both parties for future reference.

(2) Provide the original notarization certificate of authorization issued by the notary office.

Extended information:

Influencing factors of personal credit reporting

1. Credit cards have overdue records. This is clearly stipulated. Once overdue records occur, it will affect With a personal credit rating, you cannot enjoy the bank's interest rate discounts or even get a loan, so avoid overdue credit card repayments.

2. If the personal debt is too high, for example, if you have already had a loan, and the loan amount is large, accounting for 70% or 80% of your income, your credit rating will be lower.

3. The personal credit report has been inquired many times by persons other than the person. If the personal credit report has been inquired multiple times by other institutions, it is very likely that the credit record inquiry is caused by borrowing from multiple institutions, which will affect the loan. .

4. Whether your spouse’s credit is good or not is a very important factor. If you are married, if your spouse has bad credit, has a past due credit card record, or has excessive debt, it will affect your personal credit rating.

Reference material: Bank of China Changsha Central Branch - Personal Credit Report Inquiry Business Tips Where to Inquiry Personal Credit Record in Changsha

You can bring the original and copy of your ID card to China Check your personal credit report at the Credit Information Management Office of the Changsha Central Branch of the People's Bank of China (No. 24, Cai'e Middle Road, Changsha City, Hunan Province). Under normal circumstances, the personal credit report can be printed to you on the spot. If the amount of inquiries at that time is too large, it will be provided to you within 3 working days. Where can I get a credit report in Changsha? Are there any in Hexi?

Changsha City already has 5 self-service branches: China Merchants Bank Cai'e Road Branch, China Construction Bank Hunan Branch Sales Department, China Construction Bank Furong South Road Branch, Huarong Xiangjiang Bank Jinxing Road Branch, and Changsha Bank Xingcheng Branch Check outlets.

For self-service inquiry, you only need to bring the original valid ID card. There is no need to provide a copy of the ID card and fill in the inquiry application form. It can be completed by following the voice prompts on the self-service inquiry machine. The steps are simple and the whole process does not take more than 2 minutes. . In addition, the self-service inquiry machine uses "portrait recognition" technology and ID card reading technology to complete identity verification, which can effectively prevent others from stealing identity information to query credit reports.

You can follow the official WeChat public account "Sanxiang Credit Information" of the Credit Information Management Office of the Changsha Central Branch of the People's Bank of China and find the nearest credit report inquiry point through the "Credit Inquiry" function. You can also inquire with Click for telephone consultation. In addition, citizens can also check their credit reports through the Internet.

The first is to check personal credit information through the "Internet Personal Credit Information Service Desk" () of the Credit Information Center of the People's Bank of China () after completing identity verification and application review;

The second is Citizens holding debit cards from China Merchants Bank and China CITIC Bank Changsha Branch can use USBKey to log in to the online banking system and check their credit reports.

Extended information:

Credit report: Personal credit report records personal credit information, mainly including basic personal information, credit information (whether there is a bank loan, whether there is an overdue loan, Credit card overdraft records, etc.), non-bank information (payment information for water, electricity, gas and other public utilities, tax arrears, civil judgments, etc.), these information will affect individuals' borrowing behavior in financial institutions.

For example, when applying for a personal mortgage loan, banks need to see the credit report. If you have good credit, you may get a discount, but if you have a past due record, you may have to raise the price or even be unable to get a loan.

Therefore, a personal credit report is an individual’s economic ID card.

Reference: Baidu Encyclopedia-Credit Report