A. How to check bad credit record?

Users can check their personal credit reports through mobile banking, or log in directly to the credit center of the People's Bank of China through the computer terminal to check their personal credit online. If the number of overdue times is greater than or equal to 1 time, or there are words such as payment in lieu, then these records are bad records. And there is no such record in the credit, the user's credit is not a big problem.

As for the record of administrative punishment, this kind of record is more special, as this kind of record will not be deleted, whether the user can successfully apply for credit business in the future, subject to the results of the audit.

Two, where to check personal bad behavior records

Checking personal credit records is done through applying for a credit card or a loan from a bank, which will query the basic database of personal credit information and give the report to the individual to check; or through submitting a request for querying to the People's Bank of China's credit management departments in various places. The behaviors that are most likely to leave a bad record in the banking system are: 1. 3 consecutive and 6 cumulative late payments on credit cards; 2. 2 to 3 cumulative late or non-repayment of monthly mortgage payments; 3. 2 to 3 cumulative late or non-repayment of monthly car loan payments; 4. malignant cash-out behavior and malicious overdrafts on one's credit card; 5. delinquency in repayment of student loans; and 6, Negative credit record due to annual fee for "sleep credit card" not activated and not paid; 7. Failure of third party to repay the loan on time when providing guarantee for the third party; 8. Economic judgment such as defaulted payment; 9. Credit card default record due to fraudulent use of ID card or ID card copy by other people. Legal basis "Interim Measures for the Administration of Personal Loans" Article 11 of the personal loan application shall have the following conditions: (a) the borrower is a citizen of the People's Republic of China **** and the State with full capacity for civil behavior or a natural person outside the country in line with the relevant state regulations; (b) the purpose of the loan is clear and legal; (c) the amount of the loan application, the term and currency is reasonable; (d) the borrower has the willingness to pay back the loan and the ability to pay back the loan; (e) the The borrower has good credit standing and no major adverse credit records; (vi) Other conditions required by the lender. Article 12 The lender shall require the borrower to submit the application for personal loan in writing and request the borrower to provide relevant information that can prove that the borrower meets the loan conditions. Article 13 After accepting the loan application of the borrower, the lender shall perform the due diligence duty to investigate and verify the truthfulness, accuracy and completeness of the content of the personal loan application and the relevant circumstances, and form an opinion on the investigation and evaluation. Article 4 of the Regulations on the Administration of the Credit Collection Industry, the People's Bank of China (hereinafter referred to as the State Council Supervision and Administration of the Credit Collection Industry) and its dispatched agencies shall supervise and administer the credit collection industry in accordance with law. The local people's governments at or above the county level and the relevant departments of the State Council shall, in accordance with law, promote the construction of the social credit system in their own regions and industries, cultivate the credit market and promote the development of the credit industry.

Three, how to see if you have a bad credit record

1, log on to the official website of the People's Bank of China, check the nearest business office of the People's Bank of China. Because checking your credit history, you have to go to the bank's business office in person in order to check. But pay attention to the bank's business hours.

2, you can also call the official customer service to check the address of the business hall, or mountain map query, enter your place name plus the name of the bank can be.

3, fill out a personal credit report inquiry form, when you arrive at the bank, truthfully explain their situation, then, the staff will ask you to fill out a personal credit report form.

4. Normally, you need to wait for about a quarter of an hour for your credit report to come out. This way you can see your credit report.

Firstly, you should always bring the necessary documents, such as your ID card.

Second: According to the current official statement, there is no charge for checking your credit history.

Fourth, how to check if you have a bad credit record?

Currently, there are two kinds of inquiries to drain all of a person's credit and online loan records.

1, the central bank credit report. You need to bring your ID to the local central bank branch to query, the credit report will show the introduction, the amount of money borrowed, borrowing period, negative information and other data content.

2, after checking the credit report, you need to check the page, search: Youxun check. Click on the query, enter the information you can query to their own credit data, the data from the country's more than 2,000 online lending platforms and the UnionPay Center, the user can query their own big data and credit situation, you can get all kinds of indicators, query to their own personal credit situation, the net black index score, the blacklist situation, the online loan application record, the type of application platform, whether the overdue, the amount of overdue, credit cards and credit cards and online lending credit The important data information such as estimated credit limit, etc.

Extended information:

Personal credit is damaged for the following reasons:

1, credit card three consecutive times, the cumulative six late Repayment

2, mortgage monthly payment cumulative 2 to 3 months late or non-payment

3, car loan monthly payment cumulative 2 to

4, loan interest rate increase, still late

5, water, electricity, gas bills are not paid on time

6, behavior.