1. Internet query: You can search for credit records in Baidu to query official website, and then log in with your ID card. Generally, the internet inquiry method cannot be used for real-time inquiry, and the credit report can only be inquired after approval.
2. Self-service inquiry: At present, all bank outlets are equipped with self-service inquiry counters. At present, there are 29 personal credit report inquiry points in Chengdu, equipped with 24 self-service inquiry devices. 3. Counter inquiry: All counters of major banks can inquire. There is no charge for online inquiry. Personal credit reports can be inquired through the self-service machines or counters of 29 individual (enterprise) credit report inquiry service outlets in the city, and can be inquired twice a year for free. For more than 2 times, you need to apply for inquiry at the credit inquiry counter, and the inquiry service fee is 10 yuan each time.
If I have any objection to the contents of the credit report, I can go to the credit information service hall of the business management department of Chengdu Branch of the People's Bank of China and the credit information inquiry counter of the branch under my jurisdiction with the original valid identity certificate.
Personal credit information records directly affect my commercial bank loans, credit card approval, employment qualification examination (job hunting) and online loans. Bad credit records will be hindered or even directly rejected in the process of handling these matters. Therefore, we must maintain our credit records, check them regularly and correct them in time. Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".
Personal credit report plays an important role in many fields, such as mortgage, credit card, private lending, job hunting, renting and so on. Personal credit report is a paper report that directly reflects personal credit. First of all, we should buy a house, a car and a credit card. You need to check your personal credit report. If your personal credit report has a bad record, banks or other lending institutions will not lend; Secondly, people with good credit are more likely to apply for loans, and the amount of loans they apply for is often higher.
Finally, people who reflect bad personal credit records through personal credit records may also affect their job hunting in the future. Because of your poor personal credit, you are a person without credit. Personal credit is very important in this society. For people with bad credit records, employers often consider it when recruiting.