My friend Wang Ming planned to buy a new house. When he applied for a mortgage, he was told by the bank that his credit rating was poor and the loan could not be approved. After Wang Ming checked his credit report, he found that there had been an overdue credit card record before. However, it was no longer helpful to know that at this time, because the record had been created and could not be eliminated in a short period of time. This shows how self-checking credit investigation is. important.

1. Why you should check your own credit report regularly

Personal credit report is also called personal "economic ID card", which will directly affect financial institutions' credit assessment and evaluation of customers. Lending.

Credit reference has become more and more widely used in our daily life. During the loan process, you may need to self-check your credit reference. With the popularity of credit in all walks of life, it is very important to learn to self-check your credit.

Check the following issues when checking the credit report:

First, are there any "error records" in the credit report? If so, you can promptly "apply for correction" to the credit reference center or the bank where the business occurred.

Second, are there any "without my authorization" inquiry records in the credit report? If so, you can complain to the local branch of the Credit Industry Supervision and Administration Department of the State Council, or you can file a lawsuit directly with the People's Court.

Thirdly, has anyone in the credit report stolen or used my ID card falsely, causing me to be "loaned"? If there is any, report it promptly or claim that the loan is invalid through litigation.

Therefore, if you are worried about being "loaned", you can regularly check your personal credit record, which will play a certain role in avoiding "being loaned".

2. Who can check your personal credit report?

1. Financial institutions authorized by you

Generally speaking, in addition to yourself, those who can check your personal credit report include: financial institutions authorized by you, such as Which ones? Generally there are banks, insurance and other lending institutions.

Of course, when applying for credit cards or loans, card-issuing banks and lending institutions are generally authorized by default to inquire about personal credit reports, and the inquiries of these institutions are to understand your personal credit report status and then determine the credit report for you. What is your credit limit?

2. Inquiry by judicial agencies and other relevant departments

In another situation, your personal credit report can be queried without your authorization. For example, judicial bodies and government agencies do not require individual authorization to inquire about personal credit reports for judicial review and administrative purposes.

3. Illegal inquiries

Another situation that is more dangerous is that your credit report is inquired by some agencies without your authorization. If this happens, your personal information may have been used by others, and you may be "loaned".

If you find that someone or an institution has inquired about your personal credit report without your permission, you can call the relevant department for consultation or log on to the official personal credit website to complain or raise objections.

One more thing to note: Do not check personal credit records too frequently. If it is too frequent, banks and other lending institutions will think that you are eager to use money and are very eager to get a loan, which will actually affect your credit score.

The "Credit Report Industry Management Regulations" stipulate that individuals can check twice a year for free, and personal credit reports can be checked twice a year. Remember the general situation, and save the query results if necessary. This type refers to a detailed version of the credit report.

Some credit software apps, such as Credit Sign, can also query personal credit reports in certain life scenarios such as: job hunting, promotion, marriage and dating, making friends, corporate investment and trade, specific government affairs management, and private lending. , leasing, etc., scientific decisions can be made conveniently and efficiently based on credit risk status.