General problems in personal credit reporting include whether there are overdue loans, too many loan applications, too many inquiries, etc. Currently, there are three ways to query personal credit information. You can check how many credit cards you have, how many loans you have, the number of inquiries from financial institutions, whether it is overdue, etc. Next, I will explain to you the query method and whether there are any problems with the credit report.

1. Query methods

There are currently three ways to query. The first way is to go to an offline institution of the People's Bank of China (Credit Reference Center) or a bank branch with a credit reference inquiry machine. Just bring your ID card. The second is to register relevant information through the official website of the Credit Reference Center of the People's Bank of China and apply online. The next day after applying, you can download the withdrawal code sent by your mobile phone. The third way is to inquire through the APP of commercial banks, but currently there are few banks that provide this function.

The first one is a free printable paper version and is more detailed than the other two versions, so I recommend the first one first.

Second, how to check whether there is any problem with the credit report?

Check from the bank whether there are any problems with your credit report, mainly in the following aspects:

(1) Whether it is overdue.

The credit report will clearly show whether you are overdue, how many periods you are overdue, and how much you are overdue. If some lending banks see that your credit card is overdue for only one or two days and the amount is only a few dozen yuan, they will be lenient. If others are overdue for a long time and the amount is large, they will basically be blacklisted by the bank. Only after five years of record expungement can they hope to apply for a loan from a banking institution again.

(2) Whether you have applied for too many loans.

When the bank approves a loan, it will calculate your limit based on the current loan shown on the credit report. You may also be turned down by a bank if you have more loans on your credit report than the equity you offer.

(3) Check whether there are many records.

Some people often go online to apply for online loans, credit cards, etc. , and regardless of whether it is approved or not, an inquiry record will be left on the credit report, and banks also value this record. Banks will think that they are applying for such loans in large numbers and will reject your loan request because they think you are short of money.

In short, unless you are particularly short of money, it is recommended not to frequently apply for credit cards and online loans online in a short period of time. In addition, maintaining a good repayment record is also the correct way to maintain your good credit information.

/730e0cf3d7ca7bcb5e582ebeac096b63f624a804?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto