Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management.
There are three ways to check credit:
(1) is official website's inquiry, and personal credit information can be inquired through official website, Credit Information Center of China People's Bank;
(2) It is counter inquiry. The user himself goes to the counter of the People's Bank of China with the original and photocopy of his ID card and personal credit report.
(3) It is a self-service machine query. As long as all banks have self-service inquiry machines for personal credit reports, users can also carry their ID cards to inquire on the self-service inquiry machines for personal credit reports.
The information content of the credit report includes:
1, personal basic information such as personal identity, family and occupation;
2. Personal credit loan information;
3. Payment records of the credit purchase relationship between individuals and commercial institutions and public utility service institutions;
4. Personal public information records of individual administrative organs, administrative affairs executive organs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
Legal basis:
credit reporting industry regulations
Fortieth query institutions in violation of the provisions of this Ordinance, one of the following acts, the relevant departments shall be ordered to make corrections within a time limit, and impose a fine of 50 thousand yuan to 500 thousand yuan on the unit. The directly responsible person in charge and other directly responsible personnel shall be fined between 6,543,800 yuan and 6,543,800 yuan; If there are illegal gains, the illegal gains shall be confiscated. If losses are caused to the information subject, it shall bear civil liability according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law:
1. Illegal provision or sale of information.
2. Leaking information due to negligence.
3. Inquire about personal information or enterprise credit information without consent.
4, not according to the provisions of the objection or information is wrong or omitted not to be corrected.
5. Refusing or obstructing the inspection and investigation by the supervision and administration department of the State Council credit information industry or its dispatched offices, or failing to provide relevant documents and materials truthfully.