Individuals can make credit inquiries at the counter or self-service inquiry machine of the People's Bank of China with their ID cards, and the first two inquiries are free every year. The mobile apps of major banks can also be queried, such as Bank of China Mobile Banking. After logging in, click "My" to see "Credit Inquiry" and click "One-click Inquiry". In addition, online banking customers can also query personal credit reports for free through the personal credit report query function.
Introduction of Credit Report of China People's Bank
The basic database of financial credit information of China People's Bank refers to a personal credit information sharing platform established by commercial banks organized by China People's Bank under the leadership of the State Council. The database collects, sorts out and saves personal credit information, and provides personal credit status inquiry service for financial institutions. Including data submission, information inquiry, objection management, system management, offline service, quality monitoring and other modules, all commercial banks can complete operations such as inquiring personal credit reports, reporting credit data, and replying to objection applications registered in the objection handling subsystem.