The credit report can be typed in the official website of Credit Information Center of China People's Bank, Credit Information Center of China People's Bank and commercial banks. The first way is to go to the offline institution of the People's Bank of China (Credit Information Center) or a bank outlet with a credit information inquiry machine. Just bring your ID card. Two, through the China People's Bank Credit Information Center official website registration related information, online application. The next day after the application, you can download it with the withdrawal code sent by your mobile phone. The third way is to query through the APP of commercial banks, but there are fewer banks that provide this function.

If there are the following situations in the personal credit report, it will produce negative information for handling credit business:

1, overdue record

If there is a bad overdue record in the personal credit report, in this case, if you apply for a loan, it is easy to be rejected, because both banks and other lending institutions hope that the money they put out can be recovered in time, and the overdue record indicates that there is a risk that the loan cannot be recovered, so lending institutions will be more vigilant about the overdue record.

2, the debt is too high

The credit record in the personal credit report contains our credit card and loan information. If users have more outstanding debts and liabilities at present, then high debts will inevitably affect users' repayment ability.

3. There are too many query records

The credit report also contains inquiry records. If there are too many inquiry records, it will waste credit. When there are too many records in the personal credit report, banks will apply for loans, so banks will think that we are short of money in the near future, so they frequently apply for credit cards or loans. Therefore, for such borrowers, banks will also lend cautiously.

The function of personal credit report

1. Loan approval

When the loan is approved, the bank will judge the borrower's willingness to repay by looking at the "historical repayment record" in the credit report; Check the "loan number" and "external guarantee" to judge whether to approve the loan and the loan amount. Personal credit report can save time for banks to review loans and help you get loans quickly. If your credit is good, the bank has sufficient credit line, and the lending speed will be faster. If your record is overdue, the bank will be more cautious in lending, which is not conducive to your obtaining a loan or increasing your loan cost.

2. Credit card approval

When a customer applies for a credit card, under normal circumstances, the bank will check the customer's credit status and decide whether to issue a card and the credit card limit according to the specific circumstances of his credit report.

After providing customers with credit cards, we can decide whether to increase their credit card limit by looking at "consumption information" and "repayment situation".

3. Qualification examination and employee recruitment

Some units will review their credit information when hiring employees.

Matters needing attention

1, print times

As mentioned above, everyone has only two opportunities for free inquiry every year, so in the absence of new loans and credit cards, everyone does not need to inquire about his credit report many times, which not only wastes money, but also spends his credit information, which is not worth the candle.

2, others to investigate.

It is true that you can entrust others to type the credit report, but please don't trust the intermediary advertisements outside, because when entrusting others to handle it, you must issue official documents and power of attorney, and provide the original and photocopy of both ID cards. If you have time to apply for the power of attorney, you may wish to make an on-site inquiry yourself.