After reading and checking the agreement, click "Application Report", insert the prepared U shield and follow the prompts.
After receiving the report, ICBC will send a short message to inform users, and enter the "credit report" function to view the report online.
At present, there are two ways to query personal credit records.
1, central bank credit report. You need to bring your ID card to the local central bank's outlets to inquire. The credit report will show the user's lending platform, loan amount, loan term, negative information and other data content in the past five years.
2. After checking the credit report, you also need to check the online loan database. Open the WeChat homepage and search: Feiyu will check it quickly. Click Query, enter information and find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.
1. What is a personal credit record?
According to their family income and assets, loans and repayments, loans and repayments, credit overdrafts, fines and lawsuits, the system of personal records and records and submissions is evaluated at any time to prevent bad credit and let individual credit providers decide whether to provide credit or how much credit to provide. It is more important to maintain a good credit record.
2. What does the personal credit report include?
Your basic information: including name, ID number, home address, work unit, etc. Introduce this information to the bank.
Your loan information and credit card information: how much you borrowed from the bank, how much you have to pay back, how much you have to pay back, the monthly repayment situation, the bank credit card you have, whether you have paid back on time in the past 24 months and so on.
Your bank settlement account information: your name, ID number, bank code, account opening date, etc. , excluding the transaction and balance information of the settlement account.
With the construction and improvement of the credit information system, in the future, your credit report will also record your personal housing provident fund payment information, social security information, whether to pay telephone, water, electricity, natural gas and other public utilities information on time.
3. Tips:
After the termination of the act or event, the bad credit record shall be kept for five years after the termination.
The country is building a comprehensive "credit network" to connect with the society and enjoy information, whether it is a credit report or a personal credit record, which is an important part. Protect your credit. For everyone, credit is the greatest asset and wealth.