There are two ways to query personal credit records:

1, check with the credit department of the local people's bank.

2. Inquiries can be made on the personal credit information service platform of the Credit Information Center of the People's Bank of China.

Credit records can be found in three aspects through the platform: personal credit information prompt, personal credit information summary and personal credit report.

Extended data;

Credit line, also known as "credit line", refers to a certain amount of credit line granted by banks to their basic customers, that is, enterprises can recover so much money within a specified time.

For example, if an enterprise applies for a one-year export bill of exchange of US$ 2 million, it can use the amount of US$ 6,543,800,000 for five times (only one procedure is required, and other procedures are very simple). If you use it ten times,

The available quota is 20 million yuan, which on the one hand solves the short-term capital turnover difficulties of enterprises, improves the capital turnover speed of enterprises, and also improves the efficiency of capital use of enterprises.

The scope of credit line includes (export): credit line, letter of credit (export) mortgage loan line (commonly known as packaged loan), export draft, export collection draft, etc. ?

In the way of credit line, the credit line needs to be guaranteed, which can be provided by other companies or mortgaged by real estate.

The amount of credit line is generally 50% of the company's net assets, or 10 times of the company's capital, or 30% of the company's annual import and export volume. The term is one year, and it can be recycled within the term.

References:

Encyclopedia-Personal Credit Report