The basic database of personal credit information (hereinafter referred to as personal credit information system) established by the National Commercial Bank organized by the People's Bank of China has been formally established and operated nationwide since June 5438+ 10, 2006. Now individuals can check their credit reports through this system.
Two. The process and requirements of i query credit report are as follows:
(A) personal credit report query method
Individuals or entrust others to inquire their own credit reports in the credit information sub-center, in which the principal is called an agent.
(2) I check the credit report.
1. Bring the original and photocopy of my valid ID card (the photocopy shall be kept in the Credit Information Sub-center for future reference) to all branches and credit information sub-centers of the People's Bank of China for inquiry. At present, the Credit Information Center does not provide credit report inquiry services by telephone or Internet.
2. 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, foreigner's residence permit, etc.
(3) Entrusting others to inquire about the credit report.
1. The materials to be carried include the original and photocopy of the identity documents of the client and the agent, and the power of attorney. Among them, a copy of the identity document and the power of attorney are left to the credit information sub-center for future reference.
2. In addition, you can fill in the personal credit report inquiry application form by yourself.
Third, check the credit report fee
There is no charge at present.
Four, the content of personal credit report display
(1) Basic personal information: including personal identity information, residence information and occupation information.
(2) Credit transaction information: including personal credit card, loan and guarantee information for others.
(3) Objection marking information
(4) I declare information. My statement is a customer's explanation of some unverifiable objections in my credit report, and the credit center is not responsible for the authenticity of my statement.
(5) Query records
Verb (abbreviation of verb) Explanation of Credit Report by Credit Information Center
1. The Credit Information Center of the People's Bank of China is directly affiliated to the People's Bank of China, and is responsible for the collection, collation, preservation, processing, analysis and display of credit information.
2. The credit information except personal statements, inquiry records and objection marks in the credit report is collected from banks or other institutions. The Credit Information Center promises to maintain its objective and neutral position and ensure that this principle runs through the whole process of information collection, processing and integration.
Extended data:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
Personal credit report
Introduction to the report
Personal credit report is a document issued by a credit reporting agency to record your past credit information, and it is a personal "economic identity card", which can help your trading partners understand your credit status and facilitate you to reach economic and financial transactions.
As an adult citizen of China, each of us has a resident ID card of the People's Republic of China with name, gender, date of birth, address and ID number printed on it. Citizens of other countries also have similar identity documents with different names but the same function: to prove that you are a natural person. So no one can do without this ID card.
With the development of market economy, everyone's economic activities are increasing. In addition to proving who you are, you also need a convenient and reliable tool to show whether you are reliable as an economic activity. This tool is a personal credit report.
It records your performance in previous credit transactions, and can help your trading partners get to know you better and make a decision on whether to trade with you as soon as possible.
Personal credit reports have become very popular in Europe and America. Almost everyone who has economic activities has a personal credit report, and the application of personal credit report is even more common, which permeates almost every major economic activity of individuals, including buying a house with a loan, applying for a credit card, buying insurance, renting a house, looking for a job, enjoying government benefits and so on. If there is no personal credit report, almost nothing can be done.
The application of personal credit report is more and more extensive, and its function is more and more like our "resident ID card", so people call it "economic ID card" figuratively.
Report classification
Generally speaking, there are two types of personal credit reports. One is for you to read, which includes all the information about you owned by the credit bureau, including which bank gives you a loan and which telecom operator provides you with the service of calling first and paying later.
Another kind of credit report is for banks or other institutions, which contains all your credit transaction information. However, for the purpose of fair competition, the personal credit report does not record the name of the institution that provides you with loans or other credit services, that is, there is no information about the institution that has conducted credit transactions with you, unless this institution is the institution that inquired about your credit report.
Purpose of report
At present, personal credit reports are mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, personal credit report provides a way for individuals to examine and standardize their own credit behavior, and also forms a verification mechanism for personal credit information.
Baidu Encyclopedia-Personal Credit Survey