How to check if there are any problems with your credit report?

Generally, the problems with personal credit report are whether there are overdue loans, too many loan applications, too many inquiries, etc. Currently, there are three ways to query personal credit information. You can check how many credit cards you have, how many loans you have, the number of inquiries from financial institutions, whether it is overdue, etc. Next, I will explain to you the query method and whether there are any problems with the credit report.

1. Query methods

There are currently three ways to query. The first way is to go to an offline institution of the People's Bank of China (Credit Reference Center) or a bank branch with a credit reference inquiry machine. Just bring your ID card. The second is to register relevant information through the official website of the Credit Reference Center of the People's Bank of China and apply online. The next day after applying, you can download the withdrawal code sent by your mobile phone. The third way is to inquire through the APP of commercial banks, but currently there are few banks that provide this function.

The first one is a free printable paper version and is more detailed than the other two versions, so I recommend the first one first.

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Second, how to check whether there is any problem with the credit report?

Check from the bank whether there are any problems with your credit report, mainly in the following aspects:

(1) Whether it is overdue.

The credit report will clearly show whether you are overdue, how many periods you are overdue, and how much you are overdue. If some lending banks see that your credit card is overdue for only one or two days and the amount is only a few dozen yuan, they will be lenient. If others are overdue for a long time and the amount is large, they will basically be blacklisted by the bank. Only after five years of record expungement can they hope to apply for a loan from a banking institution again.

(2) Whether you have applied for too many loans.

When the bank approves a loan, it will calculate your limit based on the current loan shown on the credit report. You may also be turned down by a bank if you have more loans on your credit report than the equity you offer.

(3) Check whether there are many records.

Some people often go online to apply for online loans, credit cards, etc. , and regardless of whether it is approved or not, an inquiry record will be left on the credit report, and banks also value this record. Banks will think that they are applying for such loans in large numbers and will reject your loan request because they think you are short of money.

In short, unless you are particularly short of money, it is recommended not to frequently apply for credit cards and online loans online in a short period of time. In addition, maintaining a good repayment record is also the correct way to maintain your good credit information. How to check whether there are any problems with your credit report?

The process of checking personal credit report online:

1. Search personal credit report on Baidu and click to enter the People's Bank of China Credit Report Center;

< p>2. Click on the Internet Personal Credit Information Service Platform;

3. Click on Start Now on the Personal Credit Information Page;

4. Click on New User Registration;

5. Fill in relevant personal identity information;

6. Fill in login information, set login password, etc. to complete registration.

Article 2 of the "Credit Reporting Industry Management Regulations"

These Regulations shall apply to credit reporting business and related activities in China.

The term “credit reporting business” as mentioned in these Regulations refers to the collection, sorting, storage and processing of credit information of enterprises, institutions and other organizations (hereinafter collectively referred to as enterprises) and personal credit information, and providing information to the users of the information. activities provided by the provider.

The basic financial credit information database established by the state collects, organizes, preserves, processes and provides information, and the provisions of Chapter 5 of these Regulations shall apply.

State agencies and organizations authorized by laws and regulations with the function of managing public affairs collect, organize and preserve corporate and personal information in order to perform their duties in accordance with laws, administrative regulations and the provisions of the State Council. , processing and publication, these regulations do not apply.

How to check whether there are any problems with personal credit report

How to check personal credit report

There are three ways to check personal credit report:

1. Log in to the People's Bank of China. To inquire on the official website of the Credit Center, register as a user on the official website of the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China; then submit an application for personal credit report inquiry, and you can obtain the inquiry results and electronic report the next day;

< p>2. Inquire on the self-service inquiry machine authorized by the central bank

Some commercial banks have self-service credit inquiry machines that use face recognition technology and ID cards. After successful comparison, enter your mobile phone number and you can print it. A simple or detailed version of the personal report;

3. Go to the local branches and credit reporting centers of the People’s Bank of China to inquire

For some home buyers, banks often require detailed versions The credit report must be checked and printed at the local branches and credit reporting centers of the People's Bank of China.

Extended information:

1. How often is the credit report updated?

Credit report records are updated every 1-2 months. In other words, your loan record for the current month can only be seen in the credit report after the following month. Therefore, it is difficult for everyone to see the latest credit report, and there are currently regulations that even if the debt has been paid off, the bad loan records will still be retained in the credit report record for five years, and only after 5 years. , everyone’s bad credit record will be eliminated by the system!

2. Issues to note in the credit report:

1. The credit report record cannot be modified manually. Please do not trust the intermediary's words, otherwise you may suffer financial losses

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2. Although credit report records will not be updated until 1-2 months, it is difficult for people who are overdue to use this time difference to apply for new loans

3. Not all loans Institutions are all connected to the credit reporting system, so the overdue records of some institutions cannot be found in the credit reporting report

As we all know, personal credit reporting records all borrowing behaviors of everyone in financial institutions. This is also an important basis used by banks to judge whether they can grant applicants loans. It can be said that without a good credit report, it will be difficult to get approved for loans, credit cards, etc.! How to check whether there are any problems with personal credit report

There are two ways to check personal credit report:

The first is to check on site: bring the original valid ID card + a copy of the ID card File + "Personal Credit Report Inquiry Application Form", go to the local central bank bank branch or credit reporting sub-center to inquire. According to recent policies, individuals can check their credit reports at the counter.

The second is online inquiry: log in to the central bank’s personal credit information service platform: /. Register first, then fill in your real name, ID number and other information. Generally, you will receive a text message from the system the next day. At this time, you can log in to the website of the personal credit platform again to check.

Credit reports are divided into personal credit reports and corporate credit reports. They are records issued by the Credit Reference Center of the People's Bank of China that record personal credit information. A personal credit report is an objective record of credit history, recording personal debt repayment, contract performance, compliance with laws and other information.

A personal credit report is a document issued by the Credit Reference Center of the People's Bank of China that records personal credit information. It can quickly help financial institutions understand an individual's credit status. At the same time, good personal credit also plays an important role in many fields.