1. To print a personal credit report, you usually go to the People’s Bank of China’s self-service inquiry machine and print it out. In addition, large commercial bank branches will set up self-service personal credit report query machines. If you want to print, you need to bring your ID card and mobile phone, and you can only print in person and not on behalf of others.

2. 2. Personal credit report printing process: Find the self-service inquiry machine at the branch of the People's Bank of China; compare the photos on the left side of the middle part of the ID card inquiry machine; it will be automatically printed after the self-service inquiry is successful Credit report.

Credit reports are divided into personal credit reports and corporate credit reports. They are records of personal credit information issued by the Credit Reference Center of the People's Bank of China and are used to check the social credit of individuals or companies.

Credit reports are divided into three categories, namely basic personal information, credit transaction information, and other information.

In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.

The first credit report is basic personal information, including name, certificate type and number, mailing address, contact information, marital status, residence information, career information, etc.; the second is credit transaction information, including credit card information, Loan information, other credit information; third, other information, such as personal provident fund, pension information, etc.

The new version of the credit report of the central bank's personal credit reporting system has been launched online, and the "validity period" of overdue records has been officially set to five years. The new version of the credit report sets the starting point for overdue information as October 2009, and previous bad repayment records have been deleted.

Since the relevant departments have not clearly stipulated the time limit for negative records, in the old version of the personal credit report, overdue records will be displayed no matter how many years ago they were. The new version of the credit report only displays consumers’ overdue records within the last five years.

In the past, citizens always complained that they could not understand personal credit reports because they were all tables and numerical codes. You had to refer to the notes to understand what each number meant. The new version of the report has changed the presentation method, which is mainly tables, and uses more text descriptions. Citizens can know at a glance which cards have been overdue and which repayments are normal. At the same time, the new version of the report also reserves a display area for information such as asset disposal and guarantor compensation.

In the early days of the establishment of China’s credit system, many people did not pay enough attention to personal credit and therefore overdue credit cards or loans. Since banks and workplaces will refer to these credit records, the long-term retention of negative information has a serious impact on the lives and work of these people.

The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have been overdue and have paid off their debts an opportunity to make corrections and re-establish and accumulate their personal credit records. It is reported that if there is negative information on a personal credit report, residents may be affected when applying for credit cards and mortgage loans.