Personal credit certificate should be opened in China People's Bank. Customers fill in the "Personal Credit Report Inquiry Application Form"; Submit the original ID card, power of attorney and application form to the staff of China People's Bank. After finding out the information, they promised to submit personal credit certificates to customers. Certificate has been issued.

First, how to open a personal credit certificate

1. Prepare the original and photocopy of your ID card and go to the local people's bank for handling.

2. Fill in the "Personal Credit Report Inquiry Application Form"

3. The People's Bank of China will issue a personal credit certificate according to the inquiry results.

Second, what is personal credit reporting?

Personal credit reporting refers to the activities of a legally established personal credit reporting agency to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided to legal information inquirers after the information collected according to law is processed and sorted by credit reporting institutions.

Third, the content of personal credit information.

1, credit content

2. Credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to review and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

3. Credit information

(1). Personal basic information that identifies an individual and reflects his family and occupation;

(two) personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers; (3) Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions; (4) Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

(5). Other information related to personal credit.

4. Influencing factors

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.