First, how to query personal credit information online
At present, residents can check their credit reports in the following ways:
1. When applying for a loan, the borrower should go to the loan bank for enquiry;
2. You can also go to the local people's bank for inquiry. I need to bring my ID card and a copy, and fill in the relevant inquiry application issued by the People's Bank of China. General inquiry results will come out within 2-3 working days;
3. Log on to the official website of the People's Bank of China (www.pbccrc.org.cn) and enter the personal credit information service platform on the Internet for inquiry, which can only be inquired after registration and verification.
Second, which banks will affect credit reporting on a daily basis?
1, credit card overdue
It is common in our daily life that credit card overdue repayment affects personal credit information. Using credit cards has become everyone's living habit. However, if the credit card is overdue for many times or the overdue repayment amount is large, or the personal loan and student loan applied for during college are not paid off in time within the prescribed time limit, personal mortgage and car loan will be affected.
2. Arrears of bank loans
If the borrower has successfully obtained a loan from the bank, if it fails to repay the loan in full and on time as stipulated in the contract, it will leave a credit stain and it will be more difficult to apply for a house loan again.
3. Being a guarantor leads to a stain on credit information.
If the buyer provides a guarantee for a third party, the third party fails to repay the loan on time, which will also lead to a stain on the guarantor's credit information.
4, debt is too high
The bank will also check the borrower's debt when approving the loan. If the personal debt ratio is high, reaching more than 70% of personal income, banks will question their repayment ability and it is difficult to apply for loans.
In addition, if your credit report has been inquired by different banks for many times due to loans, credit card approval and other reasons within a period of time, and the records in your credit report show that you have not obtained new loans or applied for credit cards during this period, it means that the loans or credit cards you applied for have not been successful, and this information will adversely affect your obtaining new loans.
5, arrears of utilities
Some cities also include the payment of water, electricity, telephone charges and other fees into personal credit information. If a person defaults on one or more of these fees for a long time, it will cause a bad credit record and affect the loan.
The above is about how to query personal credit information on the Internet, and what influence daily behavior will have on credit information. Buying a house is a very important thing in everyone's life. Now buying a house is basically a loan, so friends must be careful not to do things that affect credit information in their daily lives, so as not to apply for loans in the future.