Credit card records have always been a matter of great concern to cardholders, so how to query personal credit records? What is the inquiry method of personal credit records?

Personal credit record inquiry

1, personal credit record query method

You can go to the local branches and credit branches of the People's Bank of China.

2. Information needed for personal credit record inquiry.

I need to personally inquire or authorize others to inquire on the spot. At that time, it is enough to bring the original and photocopy of my valid ID card, and leave the photocopy to the inquiry institution for future reference. Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. In addition, when inquiring, you need to fill in the "Personal Credit Report Inquiry Application Form" truthfully.

3, personal credit records query fees

Personal credit report inquiry is a service provided by the Credit Information Center of China People's Bank. In principle, a certain fee should be charged, but it is not charged at present.

Comparison between the old and new personal credit record systems

1. The relevant person in charge of a bank said that it usually takes two or three months for personal credit information to be updated in the old system. The new system only needs' t+ 1' working days to update this information.

2. The new personal credit report is "slimming"-in addition to personal name, ID number and inquiry time, there are only three types of information: credit record, public record and explanation. Credit records are divided into credit cards, mortgages and other loans, and will be displayed several times if overdue. The 24-month repayment, provident fund information, residence address and work unit information listed in the old version are no longer displayed. Old-age insurance, housing provident fund and other projects are not within the scope of the new exhibition.

3. The new report reflects the general situation and details of the credit card and loan business of the respondents and the loan guarantee provided to others. The credit transaction information part includes nine sub-parts: bank credit information summary, credit card summary information, quasi-credit card summary information, credit card summary information, loan summary information, loan guarantee summary information for others and credit card details information, loan details information and loan guarantee details information for others.

4. The new version of the credit report sets the starting point of overdue information as June 5438+ 10, 2009, and no longer displays the previous bad repayment 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. The starting point of the five-year period shall be counted from the date of completion of overdue repayment. If you don't always pay, you are not limited by the five-year period.

5. Personal information such as residence address, work unit, spouse information, annual income, pension insurance and provident fund. Deleted from the new report. However, the customer service staff of the central bank's credit information center said that the information of the work unit is no longer displayed in the personal inquiry version of the credit information report, but still exists in the bank inquiry version.