Whether applying for loans or credit cards, banks need to check personal credit reports. Nowadays, some enterprises also check employees' personal credit reports when interviewing employees, and regard employees' credit reports as part of the interview assessment, which shows the importance of personal credit reports. So where can I check the personal credit report? If the personal credit report is inadvertently defiled, what can be done to eliminate the bad record?
At present, there are two ways to query personal credit reports: online and offline. Inquire online through the official website of Credit Information Center of China People's Bank. Specific query steps are as follows:
1. First, Baidu searches "China People's Bank Credit Information Center", finds the official website link, and clicks Enter;
2. Find the "Internet Personal Credit Information Service Platform" option in official website, and click Enter;
3. After entering a new page, click the "Start Now" option on the right side of the page;
4. Then register the user and log in according to the page prompts. Registration needs to fill in my name and ID number, and it needs careful mobile phone verification; After registering and logging in successfully according to the page prompts, enter the personal center page;
5. There is an "Information Service" navigation menu on the left side of the personal center page, and select "Apply for Credit Information";
6. Then, you need to choose a verification method. It is suggested that you can use a bank card for verification and follow the prompts on the verification page.
7. After verification, select the credit information to be queried, click Next, and submit the query application according to the prompts.
8. After submitting the application, you will generally receive the SMS verification code around 1 day, and then log on to the website to get the personal credit report with the verification code.
Offline inquiry: You can carry your ID card directly to the outlets of China People's Bank.
If the inquiring user finds that his personal credit report has a bad record, the record will be kept in the personal credit report for five years from the repayment date, and the bad record will be eliminated after five years.
If the credit stain is caused by the overdue use of the credit card, it is recommended that users continue to use the overdue credit card after repayment, because the credit card record will only show the use in the last two years in the personal credit report. If the credit card holder continues to use the credit card for two years and repays it on time within two years, the previous bad record can be covered up with a good record.
Nowadays, personal credit information is more and more widely used in life. I suggest that you should cherish your credit at ordinary times to avoid bad consequences.