In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution for the statistics and management of personal credit information. It establishes a "credit file" for every citizen and provides personal credit information for commercial banks.
Individual citizens can query their own credit information on the "personal credit information service platform": credit information tips, personal credit information summary and personal credit report.
When you need to inquire, enter the personal information service platform and enter the login interface. Fill in the user name, password and verification code as prompted, and then click Login. As shown above:
Extended data:
Personal credit information service platform credit information inquiry guide.
1, authentication.
Users can obtain verification results in real time by selecting bank card, digital certificate or mobile financial IC card verification method; Select the question verification method. 24 hours after the application is submitted, the review result will be received by SMS. If the identity authentication fails for many times, you can use other authentication methods or check the credit report at the local people's bank branch.
2. Submit the inquiry application.
The platform provides three products and services: personal credit information prompt, personal credit information summary and personal credit report.
Personal Credit Information Prompt: A word prompts registered users whether they have overdue records in the last five years in the personal credit information system.
Personal credit information summary displays the personal credit status summary of registered users, including the summary information of credit records, public records and inquiry records.
Personal credit report shows the basic situation of personal credit information for registered users, including the detailed information of credit records, some public records and inquiry records.
3. Obtain the query results.
After the credit product is processed (usually the day after the inquiry application is successfully submitted), the platform will send a short message containing the identity verification code to the user. Users can log in to the platform to query the results with the ID verification code within 7 days after receiving the ID verification code.
Personal credit information service platform provides various authentication methods:
1, digital certificate verification mode.
That is, personal identity is confirmed by digital certificates issued by commercial banks cooperating with China Financial Certification Center (CFCA).
2. Bank card verification method.
That is, the personal identity is determined by the bank card with the UnionPay logo.
3. Question verification method.
That is, confirm personal identity through online answering questions.
4. Verification method of mobile financial IC card.
That is, with the help of a mobile financial IC card loaded with a personal authentication certificate issued by MTPS ("MTPS Personal Authentication Certificate" for short), mobile terminals such as mobile phones are used to access the Internet personal credit service platform, and personal authentication is carried out by inputting information such as the MTPS Personal Authentication Certificate PIN code.
Digital certificate verification, bank card verification and mobile financial IC card verification feedback the authentication results in real time, and feedback the authentication results 24 hours after the problem verification method.
Personal credit information service platform official website-home page
? Personal credit information service platform official website-service guide