1. What are the versions of the personal report?
At present, there are three versions of personal credit report, namely, personal version, bank version and social version.
Personal edition
For consumers, knowing their own credit status is mainly manifested in the credit information and public information of the information subject. Including personal edition and personal detailed edition. Personal version can be obtained through online inquiry, and personal detailed version can be obtained through self-service inquiry machine and credit information center outlets.
Bank edition
It mainly displays the credit information and public information of the information subject, and does not display the names of other loan banks or credit institutions except the inquiry institutions. The purpose is to protect trade secrets and maintain fair competition. The bank version can be obtained through inquiry institutions such as commercial banks.
Social edition
For consumers to open stock index futures accounts, this edition mainly displays personal practice qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing provident fund records and credit transaction records.
Second, the query method of credit report
There are three ways of personal credit inquiry: self-service inquiry machine, counter and online inquiry.
Self-service inquiry machine inquiry
I will take my second-generation ID card (no other documents are allowed) and print the credit report according to the instructions of the machine. (Only my query is supported)
Counter inquiry
1. I bring my valid ID card and its copy to the counter to inquire, and I need to fill in the relevant application form according to the requirements of the outlets. Valid identity documents include 3360 ID card (the second-generation ID card must be copied on both sides), military officer's card, local soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
2. Entrust others to inquire at the counter of outlets. The agent shall provide the valid identity documents and notarized original power of attorney of the principal and the agent for inspection, and keep the valid identity documents and notarized power of attorney of the principal and the agent for future reference.
online query
Login/,Personal Credit Information Service Platform of Credit Information Center. After registering the user and logging in according to the prompt information, you must carry out security verification before you can query. In addition, you can also log in to the online banking of some commercial banks for inquiry. Personal USBkey users of online banking of China CITIC Bank and China Merchants Bank can log in to online banking of all banks to apply for inquiry. (Only my query is supported)
Three. What's the charge for checking personal credit report?
Inquiries at credit center outlets or self-service inquiry machines are free twice a year, and the third charge is 10 yuan.
4. The account is in place A, can I check it in place B?
Of course. The basic database network of personal credit information covers all parts of the country. No matter where you are, you can check the local network.
5. What should I do if the information displayed in the personal credit report is wrong?
1. I can apply for objection to the objection business occurrence institution or the local credit information center outlet. Just bring the original and copy of my valid ID card.
2. To entrust others to file an objection application, it shall provide the original and photocopy of the valid identity documents and the original power of attorney of the client and the agent, and keep the copy of the valid identity documents and the original power of attorney of the client and the agent for future reference.
How long will the personal bad information of intransitive verbs be kept?
The retention period of bad personal information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident.
Seven, warm tips:
1. The Credit Information Center does not authorize any third party to provide personal credit report inquiry service.
2. If you choose the self-service inquiry method, after you get the report, first check whether there are any missing pages or prints. If there is any abnormality, please contact the field staff immediately.
3. It is not recommended to inquire about personal credit information repeatedly, so as not to affect future credit approval.
You look good!
Related Questions and Answers: Related Questions and Answers: Which institutions can view our personal credit report? Inquiries are generally made in the business department of the People's Bank of China. Except the People's Bank of China, the designated inquiry outlets in different regions are different. You can check the related websites of China People's Bank locally.
1. China People's Bank and other banking outlets.
First, every district and county in a big city has branches of the People's Bank of China, which is an authoritative inquiry network;
Second, many local industrial and commercial banks, China Construction Bank, China Bank, rural commercial banks (credit cooperatives) and Agricultural Bank have designated outlets to inquire. The designated banks in each region are different, and the specific address can be found on the local website;
Second, because there are not many bank outlets in rural areas, they are generally inquired in rural commercial banks (credit cooperatives) and postal savings banks.
Second, the way to ask.
First, the first query. With the ID card, you can query and print on the self-service inquiry machine. There are two formats: detailed version and short version, which I can choose according to my needs. The first inquiry every year is free;
Second, ask more. Many times, many places have to print in the banking service window, and the fee is 10 yuan. For multiple inquiries in Chongqing, you can also inquire and print on the self-service machine, and you also need to charge 10 yuan;
Third, I am used to querying by name. The previous name inquiry will be processed by queuing at the window with the household registration book, the original ID card and a copy.
Fourth, the unit credit inquiry. With the company's business license or organization code certificate, go to the window of the bank office hall to handle it.
Third, matters needing attention
First, personal credit report involves personal privacy, and personal privacy should be kept confidential.
Second, go to the bank outlets to check, never check online, it is easy to be deceived or reveal personal privacy.
In short, credit report inquiry involves personal privacy, so you must go to the People's Bank of China or a designated commercial bank to inquire, and remember not to inquire online casually!