1. If you want to borrow money to buy a house, you need to check it, mainly to check if you have any bad records. If you do this, it will be difficult to get a loan. This is the summary of the head of the business management department of the People's Bank of China, who is in charge of the personal credit information system. In the personal credit information system, a "credit file" (that is, a personal credit report) is established for everyone by a specialized agency and then provided to the bank and the data subject himself.

2. The activity that banks enjoy credit information through third-party institutions is credit investigation. With the intervention of the credit bureau, when you borrow from the bank again, the account manager can check your credit report with your consent, and can tell you whether you can provide a loan as soon as possible, saving time. On the one hand, personal credit information system is a tool to guard against financial risks, which plays a role in maintaining financial stability, on the other hand, it also plays a role in promoting the establishment of social credit system.

What are the methods of credit inquiry? 1, People's Bank of China: Inquiry costs money!

According to the recent policy, individuals go to the counter to check their credit reports. The first two times are free, and the charge will start from the third time. However, the cost has decreased this year. It used to be in 25 yuan, but now it is 10 yuan.

2. Short version of credit information: free inquiry.

There are also free websites or apps online, but the published reports are only short versions. The first method is to check with the local people's bank. You need to carry valid identification documents (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, foreigner's residence permit, etc.). ) and fill in the personal credit report application form.