1. What is a credit report?
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information. Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. The Credit Information Center of the People's Bank of China is a specialized institution in China to establish credit files and provide personal credit information for commercial banks.
Second, the personal credit report
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.
Three common channels for personal credit inquiry
1. Bank self-service printer for detailed credit information. You need to bring your ID card to the local China People's Bank Credit Information Center or its authorized bank self-service printer for printing.
2. The mobile phone terminal inquires the short version of the credit information. 12 national commercial banks have launched online inquiry service for personal credit reports of mobile online banking. You can inquire personal short credit reports through online app, mainly including ICBC, China Construction Bank, Bank of China, China Merchants Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Bank of Communications, China CITIC Bank, Ping An Bank, China Everbright Bank and Postal Savings Bank. 12 bank app can check personal credit report for free at any time. You can get the report the next day, and the fastest day. China UnionPay China UnionPay Express app has also launched a personal credit inquiry service, through which bank card holders can inquire about personal credit short reports online.
3. Counter-inquiry. Friends who are inconvenient to use the self-service machine can also go directly to the counter of the central bank and the business outlets of commercial banks granted credit by the central bank, bring their personal documents, fill out the Application Form for Inquiry of Personal Credit Report, or obtain personal credit report for free. If you don't have time to go to the bank outlets to inquire, you can also entrust your ID card and your own Inquiry Authorization Letter to your relatives and friends, and others will carry the above materials and my ID card as agents to help you inquire about your personal credit report at the bank outlets.