1. Inquiry at inquiry point: According to the Business Rules for Inquiring about Personal Credit Report in Basic Database of Financial Credit Information (No.97 [213] of the Banking Credit Information Center), if an individual inquires about the credit report in the nearest people's bank, he should provide his original valid identity certificate for inspection, fill in the Application Form for Inquiring about Personal Credit Report and keep a copy of the valid identity certificate for future reference.
2. Online inquiry: Users are registered 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 get the inquiry results and electronic report the next day.
3. There are mainly three versions of personal credit report in the credit information system of China People's Bank, which contain different information, 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 edition and personal detail edition.
2. Bank version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other lending banks or credit institutions except the inquiring institutions, so as to protect trade secrets and maintain fair competition.
3. Social edition: for consumers to open stock index futures accounts. This edition shows your credit summary information, which mainly includes personal practice qualification records, administrative reward and punishment records, court proceedings and enforcement records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records.