Except that courts and government departments can inquire about credit reports according to law without informing or obtaining personal consent, other individuals or institutions can only inquire about other people's credit reports through their own authorization.

In addition, even government units, without authorization, are not allowed to interfere with personal bank economic exchanges at will, and are not allowed to freeze bank accounts at will.

Extended data

Personal loans are mainly reflected in personal credit report.

Personal credit report is a record of personal credit information released by the Credit Information Center of the People's Bank of China, which is used to query the social credit of individuals or enterprises.

Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted.

Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.

References:

Baidu Encyclopedia-Credit Report

The People's Bank of China-Answers to Questions about Credit Records