One, the People's Bank of China personal credit inquiry process:

Basic database of personal credit information (hereinafter referred to as the personal credit system) established by the People's Bank of China organization of the nation's commercial banks has been formally completed and operated on a nationwide network since January 2006, and now individuals can query their own credit reports through this system.

The process and requirements for inquiring a credit report in person are explained as follows:

(1) Ways of inquiring a personal credit report

An individual or a person entrusted to another person to inquire a credit report of his/her own at a credit collection sub-center, where the person entrusted to the credit collection sub-center is called the agent.

(2) Inquiring about Credit Report in Person

1. Bring the original of one's valid ID and a copy of it (of which the copy is left at the credit collection sub-center for reference) to inquire at the People's Bank of China's local branches and credit collection sub-centers. At present, the credit collection centers do not provide credit report inquiry service through telephone and Internet.

2. Valid identification documents include: ID card (both sides of the second generation ID card must be copied), officer's ID card, soldier's ID card, passport, Hong Kong and Macao Resident Permit for Traveling to and from the Mainland, Taiwan Compatriot Permit for Traveling to and from the Mainland, and Residence Permit for Foreigners.

(C) entrusting others to inquire about credit reports

1, the materials to be brought are the original and copies of the identity documents of both the principal and the agent, and the power of attorney. Among them, the copy of ID and the power of attorney will be left at the Credit Reporting Sub-center for checking.

2, you can also bring your own completed "personal credit report in person inquiry application form"

three, the charges for credit report inquiry

There is currently no charge.

Fourth, the content of the personal credit report

(a) basic personal information: including personal identity information, residence information, occupational information.

(2) credit transaction information: including personal credit cards, loans and guarantee information for others.

(3) Objection labeling information

(4) Personal statement information. The statement is a statement made by the customer on certain unverifiable objections in his credit report, and the credit center is not responsible for the authenticity of the statement.

(E) Inquiry Records

V. Explanation of Credit Center on Credit Report

1. The Credit Center of the People's Bank of China is an institution directly under the People's Bank of China, which is responsible for collecting, organizing, preserving, processing, analyzing and displaying credit information.

2. The credit information in the credit report, except for personal statements, inquiry records and objection notations, is extracted from various banks or other institutions, and the Credit Reference Center is committed to maintaining its objective and neutral status, and ensures that this principle is carried through the entire process of information aggregation, processing and integration.

Expanded Information:

Personal credit collection refers to the activities of personal credit collection agencies established by law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. The personal credit report is a record of personal credit history that the credit agency collects the information in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to the legitimate information inquirer in accordance with the law.

Personal Credit Report

Introduction of the Report

Personal credit report is a document issued by the credit bureau to record your past credit information, which is the "economic ID card" of an individual, and it can help your trading partners to understand your credit status, and make it easier for you to enter into economic and financial transactions.

As an adult Chinese citizen, each of us has a People's Republic of China (PRC) resident identification card, which bears his or her name, gender, date of birth, address, and ID number. Similar to such identity documents, citizens of other countries also have, the name may be different, but the role is the same: to prove as a natural person who you are. So this ID card is indispensable for anyone.

With the development of the market economy, everyone's economic activities more and more, in addition to the need to prove who you are, but also need to have a convenient, credible tool to show that you, as a person engaged in economic activities, whether credible, reliable, this tool is a personal credit report.

It documents your performance in previous credit transactions and can help your trading partners get to know you better and make a decision as soon as possible about whether or not to trade with you.

Personal credit reports have become very popular in Europe and the United States. Almost everyone with economic activities has a personal credit report, and the application of personal credit reports is even more common, penetrating into almost every major economic activity of an individual, including taking out a loan to buy a house, applying for a credit card, buying insurance, renting an apartment, finding a job, and enjoying government benefits. Without a personal credit report, almost nothing can be done.

Personal credit reports are becoming more and more widely used, and their role is becoming more and more similar to that of our "resident ID card", which is why people figuratively call them "economic ID cards".

Report classification

Generally speaking, there are two major types of personal credit reports, one is for you to see, which includes all the information about you that the credit bureaus have, including which bank gave you a loan and which telecom operator provided you with a pay-as-you-call service;

The other type of credit report is for the bank or other organizations to see, which contains all the credit transaction information about you, but for the reason of the credit report, it can be used as an "economic ID". All credit transaction information, but for the purpose of fair competition, the personal credit report does not contain the name of the organization that provided you with a loan or other credit services, i.e., it does not contain information about the organization with which you had a credit transaction, unless this organization is the one that inquired about your credit report.

Report Usage

Personal credit reports are currently used by banks for various consumer credit services. With the continuous improvement of the social credit system, credit reports will be more widely used in a variety of commercial credit sales, credit transactions and recruitment and job search and other fields. In addition, personal credit reports provide a way for individuals to review and standardize their credit behavior, and also form a verification mechanism for personal credit information.

Baidu Encyclopedia - Personal Credit Report