Personal credit records are mainly recorded in the People's Bank of China's credit system, and in the form of a credit report to the person to provide inquiries about your past credit behavior will be reflected in this "credit report".

How do I check my credit report?

1, the central bank query personal credit report

Generally you can go to two places, the first is the central bank's local head office, directly with their ID card, you can go to the bank to find customer service manager to fill out the application form (application form must be filled out) after you want to query the credit business. There is also a place is the central bank specifically set up a credit management department, with their own valid documents to query is also possible. And it's best to print it off.

2, online query personal credit report

If you have a late record online or have a record of borrowing on multiple platforms, then your various records will be the big data wind control, then you will apply for credit will be frequently rejected, and even your Chanting Chanting will also be closed. If you're a big data user, you can search on WeChat and see if you can get your own big data and credit, but you can also get all kinds of data such as: blacklisting, online loan application records, application platform type, whether it's overdue, multiple loans, whether it's an arbitration case, and other important data information.

Besides the fact that a bad credit score can affect not only bank loans and credit card applications, it can also affect a person's work and life:

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2. Life is limited

Long-term delinquency will lead to the bank will you as a bad credit executor sued to court, affecting all aspects of life, such as: can not book star hotels, air tickets, etc., can not be purchased luxury goods and other high-consumption behavior, restriction of speculation in the stock market, to buy a house, out of the country, under the name of the vehicle can not get on the highway.

When applying for credit cards, loans are generally authorized by default to issue banks and lending institutions to query the personal credit report, the query of these institutions in order to understand the status of your personal credit, and then determine how much credit to you.

There's another situation that's more dangerous, and that's when your credit report is queried by some institutions without your authorization. If this is the case, your personal information may have been utilized by someone else. The situation of "being loaned" may happen to you. The so-called "being loaned" means that someone else has taken out a bank loan in your name.

Checking your personal credit history is not something you should do too often. If it's too frequent, banks and other lenders will think you're desperate for money and very eager to get a loan, which will affect your credit score.

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