By querying personal credit records, you can see your own loan records. Personal credit information summarizes personal credit records, public information and the summary records of the inquired records of credit reports in the last two years. The inquiry records show the reasons, methods and times of inquiry, as well as credit records, public information and inquired records of the institution. There are three main ways to query personal credit information: 1. Individuals can inquire about personal credit reports in person or by entrusted agents, and carry their identity documents or authorization documents to make on-site inquiries through the credit information centers of local central banks. 2. Bank inquiries can be made through ATMs deployed by some banks or on bank websites; 3. The third type is Internet inquiry. You need to log on to the website of the central bank's credit information center to register, submit an application and check your credit report. Contents displayed in personal credit report: 1. Personal basic information: including personal identity information, residence information and occupation information. 2. Credit transaction information: including personal credit card, loan, guarantee information for others. 3. Annotate the information. 4. I announce the information. My statement is the explanation made by the customer on the information in my credit report, and the credit center is not responsible for the authenticity of my statement. 5. Query records.

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Frequently asked questions about personal credit: 1. What is a personal credit report? A: A personal credit report is a document issued by a credit reporting agency to record your past credit information. It is a personal "economic identity card", which can help your trading partners to know your credit status and facilitate your economic and financial transactions. 2. What versions of personal credit report are there at present, and what are the main inquiry subjects? A: At present, there are three versions of personal credit report, namely: 1. Personal version: for consumers to know their credit status, mainly showing the credit information and public information of the information subject. Including personal version and personal details version. 2. Bank version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other loan banks or credit institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition. 3. Social Edition: for consumers to open stock index futures accounts. This edition displays your credit summary information, mainly including personal practice qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records. 3. Where does the credit information come from? A: Credit reporting agencies collect information from credit reporting sources. Specifically, credit information mainly comes from the following two types of institutions: institutions that provide credit business. Mainly commercial banks, rural credit cooperatives, small loan companies and other specialized institutions that provide credit business. Other institutions. Including individual housing provident fund center, individual pension insurance and other institutions. In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business. 4. Can consumers check their own credit reports? A: Of course, this is the individual's right to know as the subject of the credit report. According to the Regulations on the Administration of Credit Information Industry, individuals have the right to obtain their own credit reports twice a year for free. 5. Is there a charge for checking the credit report? A: According to the Regulations on the Administration of Credit Information Industry and the Reply of the National Development and Reform Commission on the Service Charge Standard of the Credit Information Center of the People's Bank of China (Development and Reform Price [2065438+06] No.54), the Credit Information Center of the People's Bank of China has asked individuals to check the credit report at the counter since 20 16 15. 6. My hukou is in Wuhan, Hubei. Can I check my credit report in Beijing? A: Yes. The basic database network of personal credit information covers all parts of the country. No matter where you are, you can go to the branch of China People's Bank. 7. Can I check the credit report by phone or online? A: You can't inquire by phone. From March 20 13, the Credit Information Center of the People's Bank of China launched a pilot project to inquire about my credit report service through the Internet, which was promoted nationwide at the end of September 20 14. For details, please visit the personal credit report inquiry website. Anyone with an ID card can log on to the personal credit report inquiry website and inquire about my credit report online. 8. Can I check the credit report of my family or friends? A: Without the authorization of others, individuals have no right to inquire about others' credit reports. However, if authorized by others, the original valid identity documents and notarized power of attorney of the principal and agent shall be provided for inspection, and the Application Form for Inquiry of Personal Credit Report shall be filled in, and the valid identity documents and notarized power of attorney of the principal and agent shall be kept for future reference. 9. The information displayed in the personal credit report is incorrect. Can I raise an objection to the branch of the People's Bank of China? How to file an objection application? What materials do you need to bring? A: Yes. You need to go to the scene to file an objection in person. Just bring the original and copy of your valid ID card, and leave the copy to the inquiry institution for future reference. Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. In addition, when inquiring, you need to fill in the personal credit report objection application form truthfully. X. Can I entrust others to file an objection application with the branches of the People's Bank of China? What materials do you need to bring? A: Yes. If an entrusted agent files an objection application, the agent shall provide the original valid identity documents and the original power of attorney of the principal and the agent for inspection, fill in the Application Form for Objection to Personal Credit Report, and keep the copy of the valid identity documents and the original power of attorney of the principal and the agent for future reference.