At present, there are three inquiry methods for personal credit report, namely, the People's Bank Credit Information Center, the official website of the People's Bank Credit Information Center, and commercial banks. The credit information report can inquire about how many credit cards you have, how many loans you have, the inquiry times of financial institutions, whether it is overdue, etc. Next, I will explain it to you from two aspects: the inquiry method and whether there is any problem with credit information. I. inquiry methods

There are currently three inquiry methods. The first one is to go to the offline institution of the People's Bank of China (credit information center) or a bank outlet with a credit information inquiry machine. You only need to bring your ID card. The second way is to register relevant information and apply online through the official website of the Credit Information Center of the People's Bank of China, and you can download it with the extraction code sent by your mobile phone the next day. The third is to inquire through the APP of commercial banks, but at present there are fewer banks that open this function.

Choose the first one, which is a free printed paper version, and it is more detailed than the other two query versions. The first query method is recommended first. Second, how to look at whether there is a problem with the credit investigation

Banks look at whether there is a problem with your credit investigation, mainly in the following aspects:

(1) Whether there is any overdue

The credit investigation will clearly show whether you have been overdue, how many overdue periods and the amount of overdue. Some loan banks will be lenient if they look at the situation that you are overdue for only one or two days and the amount is only a few tens.

(II) Whether to apply for too many loans

When a bank approves a loan, it will calculate your quota according to the current loan shown on the credit report. If you have more loans on the credit report than the assets you provide, you may also be rejected by the bank.

(3) Are there many inquiry records

Some people often go online to apply for online loans and credit cards, and whether they pass the examination or not, they will leave inquiry records on their credit information, and banks also value this record. Banks will think that they apply for such loans in large quantities, think that you are short of money, and will refuse your loan request.

In short, it is a correct and good means to check your credit report regularly and keep a good repayment record.