First, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will read its credit report.

Second, you can check with the credit management department of the People's Bank of China.

In addition to myself, only commercial banks can directly inquire about users' credit reports when handling loans, credit cards and other businesses and managing after loans, and commercial banks must also obtain users' written authorization in advance.

Extended data:

According to the Regulations on the Administration of Credit Information Industry:

Article 15

Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Article 16

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Article 17

Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Article 18

When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.

Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.

Article 19

If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.

Article 20

Information users shall use personal information in accordance with the purposes agreed with the subject of personal information, and shall not use it for purposes other than those agreed upon, and shall not provide it to a third party without the consent of the subject of personal information.

Baidu Encyclopedia-Personal Credit Records