1, loan times and credit card overdraft limit, less loan times and low credit card overdraft limit, indicating that personal credit information is good;
2. It can be seen that personal credit information is good if it does not appear on the overdue blacklist and the court execution list;
3. Whether the credit is good or not can also be judged according to the number of credit inquiries. Too many times indicate that the credit is not very good.
Personal credit information mainly includes personal basic information, credit records, public records and historical inquiry information, among which the evaluation of personal credit information level mainly depends on credit records. The credit record part shows the relevant lending and repayment information of personal credit business such as credit card, loan and guarantee. You can check the number of accounts overdue for more than 90 days in the "Information Summary" column at the top. If there is an account overdue for more than 90 days, it is a bad credit investigation.
Users can log in to official website of China People's Bank for inquiry. Users need to find the credit management center on the home page to make inquiries. In addition, users can also carry their ID cards to local central bank credit information centers for on-site inquiries. If users feel troublesome, they can also log on to the website of the central bank's credit information center, register and submit an inquiry application.