I can't find my own credit information in the credit information system of China People's Bank (v 1.7.0 version), mainly because the credit record of the inquirer has not been included in the credit information system. That is to say, up to now, if there is no credit record in the inquirer's personal credit report, it means that the customer has not applied for a credit card or loan in the bank, nor has he applied for a loan in those licensed consumer financial institutions that access the central bank's credit information system. Because there is no credit business, credit information is blank, which is also commonly known as "credit information white households". ：

As long as the customer applies for a credit card or loan in a bank or a licensed consumer finance institution at a later stage, the credit record will be displayed on the credit report. Of course, there is no credit record on the credit report and there will be no adverse effects. Although banks or licensed consumer financial institutions may not be able to check the customer's credit status after the customer goes to handle the credit business, which will affect the approval, as long as the customer's age and other conditions meet the standards, have a stable income and have the ability to repay on time, they can generally handle it smoothly.

Unlike people with bad credit records in the credit report, they will be directly rejected by banks or licensed consumer financial institutions because of credit problems. Therefore, customers must pay attention to maintaining good personal credit. Some friends may say that they have applied for a loan, but they can't find out. Then the situation that they have applied for a loan but have no credit record may be caused by the lender's failure to check the credit. The threshold for the docking platform of the central bank's credit information system is relatively high, generally commercial banks, consumer finance companies and other formal financial institutions that can engage in credit business.

In addition, the credit report found on the website of Credit Information Center of China People's Bank is a simplified version. If you want to get a detailed credit report, you need to bring your ID card to the local central bank branch or the designated commercial bank outlet for inquiry.

If I have an online loan that I can't get credit information, I suggest that I go to the official WeChat account, such as payment data, to learn about the big data of online loans, so as to know my online loan information in time. If I need a loan to buy a house or a car in the future, in addition to having a stable job, I also suggest that I can do a small amount of credit cards to keep credit information, and I must repay it on time, because I have a good credit relationship with the bank, and it will be easier to borrow money in the future.