Personal credit report is your "credit file", which comprehensively and objectively records your credit activities, such as loan principal and interest repayment and credit card overdraft. It mainly includes the following information: your basic information: including your name, ID number, home address, work unit, etc.

1. Loan information in the bank: when and how many loans were borrowed from which bank, how many loans were repaid, how many loans were not repaid, and the monthly repayment situation.

2. Credit card information: which banks have applied for credit cards, the overdraft limit of credit cards, repayment records, etc.

3. Information on opening a bank settlement account: name, certificate number, bank code, account opening date, etc. , excluding deposit and withdrawal, transfer payment and balance information of settlement account.

4. Records of the inquired credit report: The computer will automatically record "when, who and why" to inquire about your credit report.

5. With the gradual progress of database construction, in addition to the above information, your personal credit report will also record your personal housing provident fund deposit information, social security information, whether to pay telephone, water, electricity, gas and other public utilities fees on time, as well as court civil judgments, tax arrears and other public utilities information.

Extended data:

Application mode

1, query your own credit report.

You need to bring your valid ID to the Credit Management Department of the local People's Bank or the Credit Information Center of the People's Bank of Beijing for enquiry.

2. Inquire about personal credit report charges

Inquiring about personal credit reports is a service provided by the credit information center, so in principle, a certain fee is required.

In order to avoid unnecessary trouble, don't lend your ID card at will, because the ID number is an important identification information of the credit report.

At the same time, when handling banking business, fill in your personal basic information accurately and truly, and contact the bank to update your information in time if there is any change, which will not only help you prevent identity fraud and fraudulent use, but also help commercial banks to accurately verify your identity.

Baidu Encyclopedia-China People's Bank Credit Information System