1. Inquiry: According to the Business Rules for Inquiring Personal Credit Reports in Basic Database of Financial Credit Information (Banking Credit Information Center [20 13] No.97), if an individual inquires about credit reports in the nearest People's Bank, he shall provide the original of his valid identity document for inspection, fill in the Application Form for Inquiring Personal Credit Reports, and keep a copy of his valid identity document for future reference.
2. Online inquiry: users are registered in 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.
Three, the personal credit report of the credit information system of China People's Bank mainly has three versions, including different information, 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.