Without the authorization of others, individuals have no right to inquire about others' credit reports. However, if authorized by others, the client's credit report can be inquired by providing the original valid identity documents of the client and agent, notarized authorization inspection certificate, and filling in the Application Form for Inquiring Personal Credit Report. In addition, with the authorization of customers, financial institutions can also inquire about customers' credit reports.
1. You can apply for checking other people's credit records with the authorization of others. Inquirers can inquire about others' credit records by providing the original valid identity documents of the principals and agents, notarized authorization certificates and the Application Form for Personal Credit Report.
2. Without the authorization of others, individuals cannot inquire about others' credit reports. At the same time, in daily life. If other institutions are authorized to inquire about personal credit information, the authorized institutions can inquire about personal reports at will. Please authorize the inquiry of credit report carefully to avoid revealing personal information.
3. The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident, and it will be deleted after more than 5 years. The starting point of five years here is the day when the bad behavior or event ends, not the day when the bad behavior occurs. In other words, you have a loans overdue, and you have to wait for five years to delete it after you pay off the arrears, instead of automatically eliminating it after five years overdue.
How to check other people's credit information?
Everyone should know that the credit information of married people is not merged, so one party can't see the credit information of the other party from its own credit information, but unless you can get the authorization of the other party, you can only check it yourself. For example, when handling loans and credit cards, banks should accept the applicant's consent to inquire about credit information.
To this end, if you want to inquire about other people's credit information, you can ask the other party to entrust yourself as an agent to inquire and print the credit information at the inquiry point. You need to provide valid identity documents and power of attorney of both parties, and then fill out an application form for credit information inquiry. In this way, detailed credit information can be found.
When the credit report is printed, we can judge whether there is a problem with the credit report from four records.
1. loan record: all loans handled in the name of the credit inspector will be displayed on it, and whether the credit inspection is good or not can be judged from the number of lending institutions, total loan amount and repayment situation. For example, there are more than two lending institutions, which means there are many loans. If there are overdue loans, it means bad credit and so on.
2. Credit card record: displays all credit cards successfully processed under this name, including activated, deactivated and cancelled. It will display credit card holdings, credit limits and fund transfers. Credit cards of more than four banks have many credit problems, such as overdue, bad debts and special transaction records, which indicate bad credit.
3. Official records: In addition to social security payment, some social bad behaviors will also be recorded. There are also problems with such credit information, such as court enforcement records or tax arrears records.
4. Inquiry record: mainly depends on the inquirer, inquiry time and inquiry reason. If the records are inquired by non-individuals, such as credit, credit card approval, guarantee qualification examination and other reasons, and the number of times in a short period of time is relatively large, the credit information of such people will be spent, which is also considered as problem credit information.