Huainan Central Branch of the People's Bank of China?

Address: No. 11, Renmin South Road, Huainan City?

Telephone: 0554-2686922?

Personal credit information is recorded in the personal credit report, which mainly includes basic personal information, credit information (whether there is a bank loan, whether there is an overdue credit card overdraft record, etc.), non-bank information (utility expenses such as water, electricity, gas, etc.) payment information, tax arrears, civil judgments, etc.). This information will affect individuals' lending behavior at financial institutions. For example, when applying for a personal mortgage loan, banks need to look at 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. It can be said that a personal credit report is an individual’s economic ID card.

Extended information

Currently there are three versions of personal credit reports, namely:

1. Personal version: for consumers to understand their credit status, mainly showing Credit information and public information of the information subject, etc. Including personal version and personal detailed version.

2. Bank version: mainly for commercial banks to query. In the credit transaction information, this report does not display the names of other lending banks or credit institutions other than the querying institution. The purpose is to protect business secrets and maintain fairness. compete.

3. Social version: for consumers to open stock index futures accounts. This version displays your credit summary information, mainly including personal professional qualification records, administrative reward and penalty records, court proceedings and enforcement Records, tax arrears records, social insurance records, housing provident fund records and credit transaction records.

Credit reporting agencies collect information from the source of credit information. Specifically, credit reporting information mainly comes from the following two types of institutions:

1. Institutions that provide credit services

They are mainly commercial banks, rural credit cooperatives, small loan companies and other specialized institutions that provide credit services.

2. Other institutions

Individual housing provident fund centers, personal pension insurance and other institutions.

In addition, some of the above-mentioned institutions also provide basic information such as personal addresses and contact information, and this information is provided by individuals to these institutions when handling business.

People’s Bank of China—Contact information for credit reporting sub-centers and inquiry points across the country