Need to go to China People's Bank for business.
Inquire about personal credit records to understand the complete personal credit situation. At present, citizens do not charge any service fees for inquiring personal credit reports. They only need to go to the branches of the People's Bank of China for personal credit inquiry in the afternoon on weekdays.
Compared with other businesses, personal credit inquiry is quite convenient and fast.
Citizens only need to prepare their personal identification and copies in advance, submit the original and copies of their ID cards, and then declare and fill out the application form. After that, the bank staff will record interest, credit transaction information and make inquiries.
At present, when banks accept personal loans, they will inquire about personal credit records. If they find that their personal credit is not good, they will raise the interest rate of personal loans or refuse to issue personal loans.
1, credit card overdue record.
2. The mortgage loan is not repaid on schedule, resulting in overdue records; .
3. Mortgage loan, overdue interest due to still paying the monthly payment at the original amount, etc.
4. When providing guarantee for the third party, the third party fails to repay the loan on time.
5. If the mobile phone number is deactivated and overdue, it will be returned.
6. Being fraudulently used by others to create credit card arrears records.
7. Failing to pay water and electricity charges or defaulting on late payment fees.
Second, how to check the credit before the loan? Where can I check the personal credit report?
There are two ways, one is self-inquiry and the other is bank inquiry.
There are also two ways to query by yourself. One is to go to the window of your local people's bank with your ID card or inquire directly at the self-service terminal, and you can print the credit report directly. Another way is to apply for online inquiry in official website, People's Bank of China. The application needs to verify personal information, including ID number and bank card information, as well as some previous financial information. It takes 24 hours to view and print the credit report after application.
Generally speaking, when lending to the corresponding bank, the personal loan department of a commercial bank fills in the Application for Authorization of Credit Inquiry, and then enters the credit inquiry system to inquire and print the credit report. In other words, if you don't handle the loan business in the corresponding commercial bank, the bank will generally not help you inquire about the credit report.
Third, how to check personal credit when lending? Need to go to China People's Bank.
Need to go to China People's Bank for business.
Inquiring about customers' personal credit records from ordinary commercial banks cannot provide customers with complete personal credit information. At present, citizens do not charge any service fees for inquiring personal credit reports. They only need to go to the branches of the People's Bank of China for personal credit inquiry in the afternoon on weekdays.
Compared with other businesses, personal credit inquiry is quite convenient and fast.
Citizens only need to prepare their personal identity certificates and copies in advance, and after submitting the original and copies of their ID cards, they can get a personal credit report application form to fill in. After that, the bank staff will print out a credit report including personal information, credit transaction information and inquiry records for the applicant.
At present, when banks accept personal loans, they will inquire about personal credit records. If they find that their personal credit is not good, they will raise the interest rate of personal loans or refuse to issue personal loans.
1, credit card overdraft consumption failed to repay on time, resulting in overdue records.
2. The mortgage loan is not repaid on schedule, resulting in overdue records; .
3. After the interest rates of mortgages, consumer loans and other loans are raised, the overdue interest due to monthly payments will still be paid according to the original amount.
4. When providing guarantee for the third party, the third party fails to repay the loan on time.
5. The mobile phone number is down, and the relevant formalities have not been handled. Due to the overdue monthly fee, it will also cause bad records.
6. Being fraudulently used by others to create credit card arrears records.
7. Failing to pay water and electricity charges or defaulting on late payment fees.