Click Start Now-new user registration-select bank card/question/digital certificate for identity verification-select credit report (universal, simple and complete) after passing-wait for identity verification code after submission-enter the identity verification code to view and print the credit report by yourself;
2. Inquire on the self-service inquiry machine authorized by the central bank.
Some banks have self-service inquiry machines for credit reporting, which can complete face recognition technology and identity cards. After the comparison is successful, enter the mobile phone number to print the simple version or detailed version of the personal report;
3. Go to the local branches and credit sub-centers of the People's Bank of China.
For some property buyers, banks often need a detailed version of the credit report, and they must go to the local branches of the People's Bank of China and the credit branch center to inquire and print it.
4. Check on the mobile banking apps of major commercial banks.
You can check the electronic version of your credit report on the mobile APP of China Bank, China Construction Bank, China Merchants Bank, Bank of Communications and other large commercial banks.
Personal credit system is a system that evaluates personal credit rating according to household income and assets, loans and repayments that have occurred, credit overdrafts, penalties and lawsuits when bad credit occurs, and records it at any time, so that personal credit providers can decide whether to provide credit or how much credit to provide. There are two forms to reflect personal credit status, namely personal credit report and credit score. Under the condition of market economy, personal credit system is very important. It is more important for individuals to use credit products effectively and maintain a good credit record.
Personal credit report:
It is an objective record of personal credit information. Record all personal credit payment history. Including: the performance record formed by the credit relationship with financial institutions; Performance records formed by loan relationship with other institutions or individuals; Performance records formed by the credit purchase relationship with commercial institutions and public institutions; Performance records formed by economic relations with housing provident fund, social insurance and other institutions; Records of unpaid taxes and fees that should be paid according to law; Various commendation records; And other criminal penalties, administrative penalties, administrative penalties or civil compensation records that may affect personal credit status. Personal credit report is an important reference for lenders to quickly and objectively decide whether to provide credit to lenders.
Personal credit score:
It is a kind of credit service intermediary, which uses a specially designed mathematical model to evaluate and calculate personal credit ability and give a person's risk score according to the contents recorded in personal credit report. The higher the personal credit score, the higher the personal credit.
Personal credit file:
Personal credit file is vividly called the second identity card. In developed countries or regions, every economic entity participating in credit transactions will have corresponding credit files. This file records the credit information used to evaluate personal credit value. It is a collection of various credit records, usually stored in the form of electronic data. Personal credit files are compiled by credit institutions, such as personal credit bureaus. Personal credit reporting agencies take the initiative to make credit files for all residents in the service area. Personal credit files produced by personal credit reporting agencies are restricted by law. The legal principle is to meet the needs of the development of credit economy and protect personal privacy from infringement. Therefore, the law strictly regulates the business operations of credit reporting agencies that make personal credit files, including information collection.