Proof of identity can be a resident's second-generation ID card, a military officer's card, a soldier's card, a foreigner's passport, a Hong Kong and Macao resident's permit to travel to and from the mainland, a Taiwan compatriot's permit to travel to and from the mainland, a foreigner's residence permit and so on.
If you can't make the inquiry yourself, you can also ask others to help you make the inquiry, which requires you to determine the entrusted relationship between you.
So the agent needs to get a power of attorney signed by the principal to authorize the inquiry, and needs to bring the originals and copies of the agent's and his/her own valid IDs to the central bank's credit management department to inquire about the credit report.
Personal credit refers to the collection and processing of personal credit information by personal credit bureaus established by law and the provision of personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a record of personal credit history that a credit collection agency collects and processes information in accordance with the law, and finally provides to legitimate information inquirers in accordance with the law.
As of 2015, the database included 870 million natural persons***, of which 370 million had credit records.
In May 2019 a new version of personal credit was officially launched, the length and granularity of credit information will be further improved.
September 30, 2021, the Measures for the Administration of Credit Collection Business have been considered and passed by the 9th Banking Meeting of the Central Bank in 2021 on September 17, 2021, and are hereby released and will come into force from January 1, 2022 onwards.
At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various commercial credit sales, credit transactions and recruitment and job search. In addition, the personal credit report also provides the inquirer himself with a way to examine and standardize his own credit history behavior, and forms a checking mechanism for personal credit information.
Credit Information
1, personal basic information that identifies the individual and reflects the individual's family, occupation and other circumstances;
2, personal credit information formed by an individual's credit relationship with a financial institution or housing provident fund management center, etc.
3, personal credit relationships with commercial institutions, public utility services and other institutions. The individual credit purchase, payment information;
4, administrative organs, administrative affairs executive agencies, judicial organs in the exercise of their powers and functions in the process of the formation of public **** record information related to personal credit;
5, other information related to personal credit.
Influencing Factors
The main factors that may affect a person's credit risk score are: a history of late repayment in loans, or credit card overdrafts that have not been repaid in accordance with the agreed time period and repayment due, or too many loan accounts and credit cards, and so on.
Regulations on the Administration of Credit Collection
Article 25:If the subject of information believes that there are errors or omissions in the information collected, preserved, or provided by the credit collection agency, he has the right to raise objections to the credit collection agency or the provider of the information and ask for corrections.
The credit collection agency or the information provider shall, upon receipt of the objection, mark the existence of the objection to the relevant information in accordance with the provisions of the supervisory and management department of the credit collection industry of the State Council, verify and process the objection within 20 days from the date of receipt of the objection, and reply to the objector in writing with the result.
After verification, it is confirmed that there are errors and omissions in the relevant information, and the information provider and the credit bureau shall correct them; if it is confirmed that there are no errors and omissions, the objection marking shall be canceled; if it is still not confirmed after verification, the verification and the objection content shall be recorded.