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Contact information: postal code: 10003 1 Tel: 0 10-57373000.

Working hours: Monday to Friday, 8:45 am to 65438+ 6: 30 pm.

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Answers to Frequently Asked Questions about Personal Credit Information

1. What is a personal credit report?

A: A personal credit report is a document issued by a credit reporting agency to record your past credit information. It is a personal "economic identity card", which can help your trading partners know your credit status and facilitate your economic and financial transactions.

2. What versions of personal credit report are there at present, and what are the main inquiry subjects?

A: 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.

3. Where does the credit information come from?

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

An institution that provides credit business. Mainly commercial banks, rural credit cooperatives, small loan companies and other specialized institutions that provide credit business.

Other institutions. Including individual housing provident fund center, individual pension insurance and other institutions.

In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business.

4. Can consumers check their own credit reports?

A: Of course, this is the individual's right to know as the subject of the credit report. According to the Regulations on the Administration of Credit Information Industry, individuals have the right to obtain their own credit reports twice a year for free.

5. Is there a charge for checking the credit report?

A: According to the Regulations on the Administration of Credit Information Industry and the Reply of the National Development and Reform Commission on the Service Charge Standard of the Credit Information Center of the People's Bank of China (Development and Reform Price [2065438+06] No.54), the Credit Information Center of the People's Bank of China has asked individuals to check the credit report at the counter since 20 16 15.

6. My hukou is in Wuhan, Hubei. Can I check my credit report in Beijing?

A: Yes. The basic database network of personal credit information covers all parts of the country. No matter where you are, you can go to the branch of China People's Bank.

7. Can I check the credit report by phone or online?

A: You can't inquire by phone. From March 20 13, the Credit Information Center of the People's Bank of China launched a pilot project to inquire about my credit report service through the Internet, which was promoted nationwide at the end of September 20 14. For details, please visit the personal credit report inquiry website. Anyone with an ID card can log on to the personal credit report inquiry website and inquire about my credit report online.

8. Can I check the credit report of my family or friends?

A: Without the authorization of others, individuals have no right to inquire about others' credit reports. However, if authorized by others, the original valid identity documents and notarized power of attorney of the principal and agent shall be provided for inspection, and the Application Form for Inquiry of Personal Credit Report shall be filled in, and the valid identity documents and notarized power of attorney of the principal and agent shall be kept for future reference.

9. The information displayed in the personal credit report is incorrect. Can I raise an objection to the branch of the People's Bank of China? How to file an objection application? What materials do you need to bring?

A: Yes. You need to go to the scene to file an objection in person. Just bring the original and copy of your valid ID card, and leave the copy to the inquiry institution for future reference. Personal valid identity documents include: ID card, military officer's card, 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. In addition, when inquiring, you need to fill in the personal credit report objection application form truthfully.

X can I entrust others to file an objection application with the branch of the people's bank of China? What materials do you need to bring?

A: Yes. If an entrusted agent files an objection application, the agent shall provide the original valid identity documents and the original power of attorney of the principal and the agent for inspection, fill in the Application Form for Objection to Personal Credit Report, and keep the copy of the valid identity documents and the original power of attorney of the principal and the agent for future reference.

XI。 Is there a "blacklist" in the Credit Information Center of China People's Bank?

A: There is no "blacklist" in the Credit Information Center of China People's Bank. Credit center only collects and displays customers' credit information objectively, and does not make any comments on customer information.

12. Who is responsible for whether you can get a loan? Commercial Bank or Credit Information Center of China People's Bank?

A: Commercial banks. The Credit Information Center of the People's Bank of China only provides personal credit reports for commercial banks to refer to when approving your loan application. Whether you can get a loan in the end depends on the loan approval results of commercial banks.

Thirteen. When did the credit information in the personal credit report begin to be collected?

A: Credit information that has not been paid off as of 2004 and occurred after 2004.

Fourteen, how often does the basic database of personal credit information update information?

A: The Credit Information Center will update the credit information business during the normal account opening every month. However, after the credit business is closed or settled, its information will not be updated.

Fifteen, the loan has been settled, or the credit card has been cancelled. How long will the previous bad information be displayed on the credit report?

A: According to the Regulations on the Administration of Credit Information Industry, bad information will be displayed for 5 years from the date of termination of bad behavior or incident.

What should I do if I can't read the credit report?

A: You can call the customer service telephone number of the Credit Information Center of the People's Bank of China at 400-8 10-8866, or you can directly consult the branches of the People's Bank of China.

17. What questions can consumers ask when they call the customer service telephone number 400-8 10-8866 of the Credit Information Center?

A: Personal credit report inquiry process consultation, personal objection handling process consultation, and personal credit report interpretation.

18. A consumer inquired: "i query has a personal credit report. Can I apply for a loan? "

A: Whether consumers can apply for loans is decided by commercial banks with loan business; Personal credit report is one of the reference materials for commercial banks to approve credit business.

19. A consumer called to inquire: "I want to check the bad record of my loan by phone. If there is a bad record, can the credit center modify it? "

A: At present, the telephone does not provide the service of inquiring personal credit report. Consumers can bring their valid identity documents and copies to the branches of the People's Bank of China for enquiries.

The personal credit report objectively shows the repayment record of the loan, and there is no "bad record". If the consumer fails to repay the loan on time, the credit report will truthfully show the overdue record.

The credit center only objectively displays credit information, and only the submitting institution has the right to modify it. If consumers find that the loan information in their credit report is wrong, they can inquire about it with the inquiry institution or solve it through the objection handling process of the People's Bank of China.

Twenty, why not distinguish between "goodwill" and "malicious" arrears in personal credit reports?

A: First of all, the personal credit report issued by the Credit Information Center of the People's Bank of China is an objective record of personal past credit behavior. Do not make a qualitative judgment on the quality of personal credit, and do not distinguish between "goodwill" and "malicious" arrears to ensure the objectivity of information. Secondly, users of personal credit reports, such as commercial banks, will make a comprehensive judgment on customers' performance ability and willingness according to their actual situation and other information. Therefore, the personal credit report does not distinguish between "goodwill" arrears and "malicious" arrears.

Twenty-one, why should we pay special attention to the information recorded in the "query record"?

A: The inquiry record records the inquiry date, inquiry operator, inquiry reason, internet inquiry times and other information in that year, which is convenient for you to track and inquire about your credit report. Personally, I think we should pay special attention to the information recorded in the "query record" for the following two reasons:

First, has anyone else or organization inquired about your credit report without your authorization?

Second, if your credit report has been inquired by different banks many times for reasons such as loan and credit card approval within a period of time, but the records in the credit report show that you have not obtained a new loan or applied for a credit card during this period, it may indicate that you have applied for a loan or credit card from several banks but failed, and this information may have an adverse impact on your obtaining a new loan or applying for a credit card.

If you find that your credit report has been queried beyond your authority, you can query the query institution or report it to the branches of the People's Bank of China.

22. Can I check personal credit records through mobile phone inquiry software (APP)?

A: The Credit Information Center has not yet opened the mobile phone inquiry software (APP) to inquire about personal credit information records. I suggest you log in to official website Credit Information Center, register your real name through the Internet personal credit information service platform, and apply to inquire about your personal credit information products, including personal credit information tips, personal credit information summary and personal credit report.

References:

Credit Information Center of China People's Bank-Frequently Asked Questions