The location for printing personal credit report is as follows:

1. Users can log in to official website, People's Bank of China, download the electronic version in official website, and then go to the print shop to print. Or the user goes to the local credit center and prints the credit report at the credit center.

2. In addition, major commercial banks also provide credit inquiry and credit report printing services. When users go to bank outlets, they can print personal credit reports on self-service machines.

If users need a credit report when applying for a loan, they must go to the bank to print it, but the credit report printed in the printing shop does not meet the requirements.

Whether the personal credit report is normal or not mainly depends on the following three aspects:

1. Is there any overdue record? There is basically no overdue record in normal credit investigation;

2. The second aspect mainly depends on the number of credit cards and loan accounts; In a normal credit report, the number of credit cards and loan accounts is basically single digits;

3. The third aspect mainly depends on the inquiry record of credit information; Normal credit investigation will not have too many inquiry records, and the composition of inquiry institutions will not be very complicated.

Where can I print my personal credit certificate?

At present, there are three ways to query personal credit reports, namely, the Credit Information Center of the People's Bank of China, the official website of the Credit Information Center of the People's Bank of China and commercial banks. The credit information report can check how many credit cards you have, how many loans you have, the number of inquiries from financial institutions, whether they are overdue, etc. Next, I will explain it to you from two aspects: the inquiry method and whether there is a problem with the credit information.

First, the query method

At present, there are three query methods. The first way is to go to the offline institution of the People's Bank of China (credit center) or a bank outlet with a credit inquiry machine. You just need to bring your ID card. The second way is to register relevant information through the official website of the Credit Information Center of the People's Bank of China and apply online. You can download the extraction code sent by your mobile phone the next day. The third way is to query through the APP of commercial banks, but there are few banks that have opened this function at present.

Choosing the first one is to print the paper version for free, which is more detailed than the other two query versions, so the first query method is recommended first.

Second, how to see if there is a problem with credit reporting?

Banks see if there are any problems with your credit information, mainly in the following aspects:

Whether there is overdue.

The credit information will clearly show whether you are overdue, how many overdue periods and the overdue amount. If some loan banks see that your credit card is overdue for only one or two days and the amount is only tens of yuan, they will be lenient. If it is other overdue for a long time and the amount is large, it will basically be blacklisted by the bank. Only when the five-year record is eliminated can they hope to apply for loans from banking institutions again.

In which bank was the credit information printed?

Credit reports can be printed at the outlets of the People's Bank of China and commercial banks or online.

Go to the People's Bank outlets to print.

We can personally take my ID card to the outlets of the People's Bank of China. There are self-service inquiry and printing machines in the lobby. It is very convenient to apply and print just by verifying your ID card and completing face recognition. It should be noted that each person can print 2 times a year for free, and charge more when needed.

Go to the commercial bank outlets to print.

In order to facilitate the public to handle business, the People's Bank of China has also deployed self-service machines at the outlets of several large commercial banks. Similarly, we can also carry ID cards for printing.

Go to online printing.

In addition to offline printing, the central bank's credit information system also supports online inquiry. For example, we can log in to the central bank's credit information center for inquiry and printing on the official website, China UnionPay Express APP, and mobile banking of commercial banks. After verifying the personal bank card information, you can download the credit information report, which is usually completed on the same day.

Contents of personal credit report:

1. Basic information: including personal name, ID card, name, date of application, date of issuance, marital status, etc.

2. Credit records: mainly the loan records that individuals apply to bank financial institutions, including a series of loan records such as credit cards, mortgages, business loans and student loans. Including a series of information such as settled and unsettled.

3. Public information: personal information and communication, water, electricity, gas and tax payment information applied by individuals, as well as personal court information, such as whether it is included in the list of untrustworthy people.

4. Objection record: If the inquirer has any objection to the personal credit information, his objection to the banking institution can be reflected in this part by adding a statement. If there is no objection, there is no relevant record.

5. Inquiry records: records of personal inquiries and relevant information of institutional inquiries. General banks will have this record when approving credit cards.

6. Description: It is the format clause of the Credit Information Center, including relevant information that needs attention, opinions on handling objections and the position of the Credit Information Center.

Brief introduction of personal credit information:

Personal credit reporting refers to the activities of a legally established personal credit reporting agency to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided to legal information inquirers after the information collected according to law is processed and sorted by credit reporting institutions. At present, personal credit reports are mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, personal credit report provides a way for individuals to examine and standardize their own credit behavior, and also forms a verification mechanism for personal credit information.

What problems in the credit report will affect the loan:

1. Malicious overdue, and the past credit card repayment was not timely, resulting in long-term overdue or overdue amount and overdue times; The student loan applied for during the university period was not repaid in time, resulting in more overdue times or longer overdue time; Malicious overdue due to failure to repay other loans in time, etc. Malicious overdue is the most common situation that affects loans.

2. The personal debt ratio is relatively high. If residents' existing liabilities account for a relatively high proportion, reaching more than 70% of their personal income, it will have an impact on their application for loans. This is because every bank has regulations on the income-debt ratio of loan applicants, and high personal debt ratio has great risks that will affect their loan repayment ability.

3. Guarantee huge debts for others. If a resident uses his own property and other property as collateral to guarantee huge debts for others, his own assets will be greatly discounted, and he may even bear the risk of huge debts. Therefore, the bank will not lend him money easily.

When residents apply for loans, credit cards and other credit products from the bank, the bank will check the credit records of residents. If the frequency of credit records is high, it means that the loan demand of residents is too high and the risk is correspondingly high. Therefore, it is not recommended that residents apply for multiple credit cards at the same time.