What is the content of personal credit information?
1, personal basic information. Including name, identity card, name, date of application, date of issuance, marital status, etc.
2. Credit records, mainly loan records applied by individuals to bank financial institutions, including credit cards, mortgages, commercial loans, student loans and a series of loan records. Include a series of information such as settlement and unsettle,
3. Public information, including personal information, communication, water, electricity, gas, tax and other information that individuals have applied for, as well as personal court information, such as whether they are included in the list of people who have lost their trust.
4. Objection record. This part contains the meaning that the inquirer has applied to the banking institution when he has any objection to the personal credit information, which can be reflected by adding a statement in this part. However, the author did not apply for any objection, so there is no relevant record.
5. Inquiry records, including records of personal inquiries and relevant information of institutional inquiries. General banks will have this record when approving credit cards.
What is personal credit reporting?
Personal credit information is recorded in personal credit report, mainly including: personal basic information, credit information (whether there are bank loans, overdue, credit card overdraft records, etc. ), as well as non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ).
This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans.
Where can I print the credit information?
1, print offline
(1) Self-query printer through personal credit information.
Bring your valid personal identification to the counter of the branch of the People's Bank of China or the outlet of a commercial bank with the qualification to print credit reports, and find the corresponding printer for self-printing.
(2) Print through the counter of bank outlets.
Go to the People's Bank of China or a pilot commercial bank, authorize the bank, and ask the bank counter staff to help print.
Commercial banks for pilot printing: Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, China Guangfa Bank, China Bohai Bank and China Everbright Bank.
(3) entrust an intermediary to print.
For example, individuals authorize various microfinance institutions and insurance companies to inquire about personal credit information and print credit report.
Step 2 print online
(1) Print through personal online banking.
Log in to official website, the major commercial banks, select the loan entrance, find the credit report in the service center, check the query results of the credit report such as agreeing to query the authorization agreement, applying for the report and confirming the submission, and then download and print it.
(2) Through the Credit Information Center of the People's Bank of China.
Log in to official website, People's Bank of China, click on the personal credit information service platform, register and log in, click on the credit information service, apply for credit information, and then apply for printing according to the page prompts.
Credit information can objectively reflect a person's credit situation and lending behavior, and good credit information is the premise of applying for various loans. As for the printing of credit report, it is mostly used for bank loan business, which is audited and verified by major financial institutions, such as car loan and mortgage application.