To check your credit report, go to the People's Bank of China. At present, the network of the personal credit information basic database of the People's Bank of China's credit reporting system covers all parts of the country. No matter where they are, applicants can inquire at the local branch of the People's Bank of China. Each person has two free opportunities to check personal credit information per year. You can check your credit report from Monday to Friday. The People's Bank of China is closed on weekends.

1. Inquiry point inquiry: According to the "Business Procedures for Personal Credit Report Inquiry of the Basic Financial Credit Information Database" (Yinzheng Credit Center [2013] No. 97): Individual inquiries should be directed to the nearest People's Bank of China for credit report inquiry If you do, you should provide your original valid ID for verification, fill out the "Personal Credit Report Personal Inquiry Application Form", and keep a copy of your valid ID for future reference.

2. Online inquiry: Register as a user on the official website of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China; then submit a personal credit report inquiry application, and you can obtain the inquiry results and electronic information the next day. version report.

3. There are three main versions of personal credit reports in the credit reporting system of the People's Bank of China, which contain different information. They are:

1. Personal version: for consumers to understand. Your own credit status mainly displays the credit information and public information of the information subject. Including personal version and personal detailed version.

2. Bank version: mainly for commercial banks to query. In 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.