You can query/print the credit report through the Credit Information Center of China People's Bank-Personal Credit Information Service Platform. The platform has been opened to customers all over the country. Website: Web page link.
Inquiry steps, for reference:
1, register;
2. Open the online payment function of UnionPay;
3. query; After the query, it can be downloaded to the desktop in the form of PDF. As long as the computer is connected to a printer, it can be printed, and it has the watermark of China People's Bank.
If you have any questions in the printing process, please call the customer service number of China People's Bank.
You can also inquire through China Merchants Bank Online Banking Professional Edition or Mobile Banking, as follows:
1, Professional Edition: After logging in to China Merchants Bank Professional Edition, click "All-in-One Card → Account Management → Personal Credit Report Query" to query the credit report, which is more convenient.
Tips: ① The card inquired must have been associated with the professional version at the counter before.
② There is no seal on the credit report printed by the professional version.
(3) personal credit report inquiry, according to the requirements of the Credit Information Center of the People's Bank of China, can only be inquired by applying for personal electronic certificate. For example, the customer is a professional version of the scan code login, there are two scenarios: one is a certificate, the other is undocumented, and only people with certificates can query. If not, please ask the customer to apply for a digital certificate first, open a personal credit report inquiry protocol, and then scan the code to log in and inquire.
2. Mobile banking: After logging in to mobile banking, click Home → City Service → Personal Credit Report, enter the verification code and email address, and apply for inquiry. This function supports bank card users to apply for and query personal credit reports after logging in to China Merchants Bank App, return the query results within 24 hours, provide online preview of the result reports in PDF, and provide the service of sending encrypted and compressed reports to the mailbox.
Characteristics of online inquiry: it is different from the full version of offline inquiry of credit information center outlets. The personal credit report inquired online is a simplified version, which can be used as a customer's inquiry to understand their credit status.
After receiving the report, I suggest that you download the zip file attached to the credit report to your computer, extract the PDF file and print it.
China People's Bank Credit Report Personal Inquiry official website
The People's Bank of China personally inquired about official website:
Personal credit report is a document issued by a credit reporting agency to record your past credit information, and it is a personal "economic identity card", which can help your trading partners understand your credit status and facilitate you to reach economic and financial transactions.
Now, you can check your personal credit report at the Credit Information Center of the People's Bank of China. According to the Regulations on the Administration of Credit Information Industry, individuals have the right to obtain their credit reports twice a year for free.
At present, there are three versions of personal credit report, namely:
1, personal edition: for consumers to know their own credit status, mainly displaying the credit information and public information of the information subject. Including personal version and personal details version.
2. Bank version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other loan banks or credit institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition.
3. Social Edition: for consumers to open stock index futures accounts. This edition displays your credit summary information, mainly including personal practice qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records.
Contents displayed in personal credit report:
Personal basic information: including personal identity information, residence information and occupation information.
Credit transaction information: including personal credit card, loan, guarantee information for others.
Objection marking information
I declare information. My statement is the explanation made by the customer on the information in my credit report, and the credit center is not responsible for the authenticity of my statement.
Query record
Enquiry address:
China People's Bank Credit Information Center network query credit report address:
China People's Bank Credit Information Center offline inquiry credit report address: contact information of all credit information sub-centers and inquiry points in China.
Operating environment: iPhonexr 14.7. 1.
Personal credit inquiry of China People's Bank
The ways to query the personal credit of China People's Bank are: 1. Internet inquiry: Individuals can bring their ID cards to the local branches of the People's Bank of China, explain to the staff that they want to inquire about personal credit, and then print personal credit reports with their help. 2. official website Inquiry: Individuals can log in to official website, the Credit Information Center of the People's Bank of China, click "Start Now" on the homepage, log in to their personal accounts, and then follow the prompts to inquire about their personal credit records.
How to eliminate bad personal credit records
How to apply for cancellation of overdue credit records?
To eliminate overdue credit records, only by applying to the central bank's credit reporting agency or credit reporting agency can qualified records be eliminated. For example, if a fake card is used to apply for loans overdue, or the repayment is unsuccessful due to problems in the lending institution system, the bank can only apply for account cancellation if it fails to inform the fee adjustment and part of the arrears are overdue.
However, if an individual is overdue on his own initiative, he will not be given the opportunity to eliminate the overdue records. He can only pay off overdue debts and wait for time to gradually smooth out bad credit. After five years, the credit information can be repaired by itself. During the repair period, if you want to borrow money or apply for a card, it is suggested to improve your credit for at least 3 months in the following ways, as follows:
1. Timely repayment: Except loans, all businesses directly linked to credit reporting belong to credit cards. Pay more credit cards. After use, the repayment shall be made before the end of the repayment date as required. It is best to repay in full if you have the ability. If it cannot be repaid in one lump sum, it should be repaid in installments according to the situation, and in any case it cannot exceed the minimum repayment amount.
2. Don't mess around: Don't apply for loans or credit cards in the short term, and reduce the number of credit inquiries. Some people may not want to borrow money, but if they want to find out how much they can have, don't order it, otherwise it may be difficult to find a credit report.
In short, whether overdue credit records can be applied for cancellation depends on the specific situation. You can't be eliminated. If you take good care of your credit information, you will have a chance to get loans and cards.
How to inquire about the personal credit report of China People's Bank?
How to inquire personal credit information
There are three ways to check personal credit:
1. Log in to the Credit Information Center of the People's Bank of China to inquire about official website, and register users through official website, the personal credit information service platform of the Credit Information Center of the People's Bank of China; Then submit an application for personal credit report inquiry, and you can get the inquiry result and electronic report the next day;
2. Inquire on the self-service inquiry machine authorized by the central bank.
Some commercial banks have credit inquiry machines, which can complete face recognition technology and ID cards. After the comparison is successful, enter the mobile phone number and print the simple or detailed version of the personal report.
3. Go to the local branches and credit sub-centers of the People's Bank of China.
For some property buyers, banks often need a detailed version of the credit report, and they must go to the local branches of the People's Bank of China and the credit branch center to inquire and print it.
Extended data:
1. How often should the credit report be updated?
Credit report records are updated every 1-2 months. In other words, everyone's loan record of the current month can only be seen in the credit report after the next month. Therefore, it is difficult for everyone to see the latest credit report, and there are still regulations. Even if the arrears have been paid off, the record of non-performing loans will remain in the credit record for five years. Only after five years, everyone's bad credit records will be eliminated by the system!
Second, the credit report matters needing attention:
1. The record of the credit report cannot be modified manually. Please don't trust the intermediary, or you may lose money.
2. Although the credit record will not be updated until June 5438+10-February, it is difficult for overdue people to apply for new loans by taking advantage of this time difference.
3. Not all lending institutions are connected to the credit information system, so the overdue records of some institutions cannot be found in the credit information report.
As we all know, personal credit information records everyone's borrowing behavior in financial institutions, and it is also an important basis for banks to judge whether they can give loans to applicants. It can be said that it is difficult to approve loans and credit cards without a good credit report!