Self-service inquiry and on-site inquiry can be used, and certificates can be printed through self-service terminals.
1. The Chongqing Management Department of the People's Bank of China announced that it has set up four self-service inquiry agencies for personal credit reports in the main city, with a total of 1 1. At this point, citizens can self-check and print personal credit reports in the 8 th district of the main city.
2. The four self-service query agents recently added are dadukou district and Beibei for the first time, and Yubei District and Nan 'an District each add 1 according to the existing query volume distribution. At present, there are 1 1 self-inquiry agencies for personal credit reports in the main urban area, which are distributed in 8 districts of Yuzhong, Jiangbei, Shapingba, Yubei, Nan 'an, Beibei, Dadukou and Jiulongpo.
Three. Personal credit inquiry and printing methods Personal credit reporting methods are as follows:
(1) Self-inquiry: Bring my second-generation ID card and go to the self-inquiry agent for inquiry. It only takes 30 seconds to print out a simple personal credit report.
(2) On-site inquiry: Bring the original and photocopy of my valid ID card to any branch of the People's Bank of China.
4. Self-service inquiry has the advantages of simple process, safety and high efficiency, and on-site inquiry and printing.
Extended data:
1. For individuals to check their credit reports at the counter, the charging standard for the third time every year will be reduced from the current 25 yuan to 10 yuan, and they will continue to check through the Internet free of charge and go to the counter twice a year.
Second, the benchmark service fee for commercial banks and other institutions to inquire about corporate credit reports was reduced from 100 yuan to 60 yuan, and the benchmark service fee for inquiring about personal credit reports was reduced from 6 yuan to 5 yuan.
Third, we will continue to implement preferential charging standards for eight types of financial institutions, including rural commercial banks, rural cooperative banks, rural credit cooperatives, rural banks, microfinance companies, consumer finance companies, financial leasing companies and financing guarantee companies, and at the same time increase the implementation of the same preferential policies for private banks.
4. The service fee standard for initial registration and renewal registration of accounts receivable pledge is reduced from the current 100 yuan per piece per year to 60 yuan, and the service fee standard for change registration and objection registration is reduced from the current 40 yuan to 20 yuan, and registration information inquiry continues to be free.
People's Network-Convenient! You can print your personal credit report at 1 1 in the main city of Chongqing.
China Development and Reform Commission-Related Issues on Service Charge Standard of Bank Credit Information Center
Personal credit information, where can I check it on my mobile phone?
First of all, inquiring about personal credit information can be divided into online consultation and China People's Bank, because it involves personal privacy, and it can only be viewed by myself or with my authorization.
If you want to go to the People's Bank of China to check your personal credit, you need to bring your ID card and take a photo without a hat. When we get to the bank, the other party will give us an application form. After filling out the form, we can give it to the staff. Of course, the process may be filmed, but it doesn't matter. After a while, you can see your personal credit information.
If we inquire about personal credit online, please contact everyone to inquire about it in official website, People's Bank of China. Although many apps can be checked now, these apps may collect personal credit information. Moreover, the official website of the People's Bank of China announced that it had prompted to authorize any third party. After opening official website of China People's Bank, log in directly with user name and password, and pull online.
You can see your credit information at this time. Of course, we can also download our own credit information. It should be noted that you should never check your personal credit frequently and reveal your password and account number. If you check personal credit information online and have overdue records, in this case, you can pay back the arrears first, so that the bank approver will not get stuck in the loan because of credit information problems.
How to check personal credit online?
How to query personal credit records?
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.
Is personal credit inquiry updated in real time on the Internet?
Not updated in real time.
1. Credit institutions collect information from the sources of credit information, which mainly come from the following two types of institutions:
1, mainly commercial banks, rural credit cooperatives, microfinance companies and other specialized institutions that provide credit business.
2, individual housing provident fund center, individual pension insurance and other institutions.
Information is provided to these institutions by individuals when handling business, and then uploaded to the basic database of personal credit information.
Two. The credit center will update the credit business during the normal account opening every month. However, after the credit business is closed or settled, its information will not be updated.
Extended data:
In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report.
The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.
Credit Information Center of China People's Bank-Frequently Asked Questions
Can I check my personal credit report at will?
Individuals can check personal credit reports when they come to the bank with their ID cards.
According to the Financial Credit Information Database (Banking Credit Information Center No.97 [20 13]):
Individuals can inquire about personal credit reports in person or by entrusted agents.
1. i query Credit Report.
If an individual inquires about a credit report at the inquiry point, he/she shall provide the original of his/her valid identity document for inspection, fill in the Application Form for Inquiring about Personal Credit Report, and keep a copy of his/her valid identity document for future reference.
Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), 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.
2. Entrust others to inquire about the credit report
Where an agent inquires about a personal credit report at the inquiry point, the agent shall provide the original valid identity documents of the principal and the agent and the notarized power of attorney for inspection, fill in the Application Form for Inquiring about Personal Credit Report, and keep copies of the valid identity documents of the principal and the agent and the notarized power of attorney for future reference.
Extended data:
When the bank decides whether to give you a loan, it mainly considers the following factors:
1, the bank's credit policy: that is, what kind of people the bank is willing to lend to. For example, some banks are willing to issue credit cards to students at school, while others are unwilling. The bank's credit policy is determined by the bank's own management ability and market positioning.
2. Basic information of the borrower: the nature of the borrower's work, living conditions, financial conditions, etc.
3. The borrower's credit status: the borrower's current debt level; Have you ever had a credit history of borrowing money and not paying it back? So your credit report is only one of the references to help banks make credit decisions, not the only basis.