Do you want money to go to the credit center to make a credit re

1.

When you go to the people's Bank of China to type credit report, the first two times of each year are free of charge, and the service fee is 25 yuan each time. The type of credit report can be divided into two situations: personal inquiry and agent inquiry. The required materials are different. The following describes in detail the materials required for these two situations:

I. if you apply to query your credit report, you need to prepare the following materials:

1 The original and of my valid ID card, and keep the of my valid ID card for future reference

2. Truthfully fill in the application form for personal credit report inquiry

Second, if the personal credit report is inquired by others, the following materials need to be prepared:

1. The original and of the valid ID card of the principal and agent should be inquired by credit investigation, and the of the valid ID card should be kept for future reference

2

3. The agent should truthfully fill in the personal credit report inquiry application form

the credit reference center of the people's Bank of China began to implement the charging system for personal inquiry of their own credit reports on June 3, 2015; Specifically, if an indivial inquires more than twice a year, the service fee will be 25 yuan each time, and the first two times a year will be free. The number of personal queries in 2014 is calculated from June 3, 2014, and the number of queries in each year after 2015 is calculated from January 1 of that year

credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information issued by the credit reference center of the people's Bank of China, used to query the social credit of indivials or enterprises

There are three types of credit report, which are personal basic information, credit transaction information and other information

First, basic personal information, including name, certificate type and number, correspondence address, contact information, marital status, residence information, occupation information, etc

Second, credit transaction information, including credit card information, loan information and other credit information

The third is other information, such as personal provident fund and pension information

< H2 > extended data:

personal credit report is the most basic proct provided by personal credit reference system, which records the historical information of credit transactions between customers and banks, as long as customers have handled credit card, loan, loan guarantee for others and other credit business in the bank, The basic information and account information registered in the bank will enter the personal credit system through the data submission of commercial banks, thus forming the customer's credit report

the information in the personal credit report mainly includes six aspects: the verification results of the identity information of the Ministry of public security, personal basic information, bank credit transaction information, non bank credit information, personal statement and objection marking, and query history information

the verification results of the identity information of the Ministry of public security come from the information of the citizen information sharing platform of the Ministry of public security in real time. Personal basic information refers to some basic information of the customer, including identity information, marriage information, residence information, occupation information, etc

bank credit transaction information is the detailed and summary information of the loan or credit card account handled by customers in various commercial banks or other credit institutions. Non bank credit information is the information collected by personal credit system from other departments, which can reflect customers' income, arrears or other assets

I declare that it is the customer's own explanation of some non verifiable objections in the credit report. Objection marking is a special explanation made by the objection handling personnel of the credit reference center for the objection information in the credit report or when the objection cannot be corrected in time e to technical reasons. Query history shows which institution or person inquired the credit report of the person when and why< At present, the use of personal credit reports is limited to commercial banks, financial institutions (mainly housing provident fund management center, financial companies, auto financing companies, micro credit companies, etc.) and the people's Bank of China. Consumers can also obtain their own credit reports in the people's Bank of China. According to the different users, the personal credit reporting system provides different formats of personal credit reports, including bank version, personal query version and internal version of credit reporting center, which respectively serve commercial banks, financial institutions, consumers and the people's Bank of China

whether it is a commercial bank, a consumer or the people's Bank of China, the inquirer must obtain the written authorization of the inquired person and keep a of the inquired person's ID card when querying the personal credit report

the personal credit information system has realized that all branches of commercial banks in China can access and query the credit information of any indivial in the whole country. According to the Interim Measures for the administration of basic database of personal credit information, commercial banks can inquire personal credit reports from the personal credit information system only when they handle the following businesses:

1

2

3. Post loan risk management of personal credit issued

4. To accept the loan application of a legal person or other organization or to act as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor

consumers can apply in writing to the credit reference center, credit reference sub center and the local branch credit management department of the people's Bank of China. Just fill in the application form for personal credit report inquiry, and provide valid ID card for inspection, and keep a of ID card for future reference

process of personal credit report inquiry:

I. method of personal credit report inquiry

according to the business proceres for personal credit report inquiry of financial credit information basic database (yinzhengxin Center (2013) No. 97),

an indivial can inquire personal credit report in person or entrust an agent

(1) if an indivial inquires about the credit report from the inquiry point, he / she shall provide the original of his / her valid identity card for inspection, fill in the application form for personal credit report inquiry, and keep a of his / her valid identity card for future reference

valid ID cards include: ID card (the second generation ID card must be copied on both sides), officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan compatriots' pass to and from the mainland, foreigner's residence card, etc

(2) if a person entrusts another person to inquire about the credit report, the agent shall provide the original valid identity documents of the principal and the agent and the notarized certificate of authorization for verification, and fill in the application form for personal credit report inquiry, and keep a of the valid identity documents of the principal and the agent The original authorized notarization certificate shall be kept for future reference

in addition, you can complete the personal credit report inquiry application form by yourself

(1) personal basic information: including personal identity information, residence information, occupation information, etc

(2) credit transaction information: including personal credit card, loan and guarantee information for others

(3) objection marking information

(4) I declare information. I declare that it is the customer's explanation of the information in my credit report, and the credit reference center is not responsible for the authenticity of my statement

(5) inquiry record (4) explanation of credit report by credit reference center

the credit reference center of the people's Bank of China is an institution directly under the people's Bank of China, which is responsible for the collection, sorting, preservation, processing, analysis and display of credit information. Except for personal statement, inquiry record and objection mark, credit information in credit report is collected from various banks or other institutions. Credit reference center promises to maintain its objective and neutral position, and ensures that this principle runs through the whole process of information collection, processing and integration

2. " 1、 The PBC credit information system is the most authoritative and influential credit information system at present. There are two ways of inquiry: online and offline. The first is to take the original and of my ID card and go to the credit reference center of the people's Bank of China for on-site inquiry. Another way is to sign up for the official website of the Chinese people's Bank Name Information Center, and then, according to the prompt, enter the credit report of the electronic version after entering their name and degree ID number. In addition, it is suggested that the number of inquiries should not be too many, just 1-2 times a year, or you will spend your personal credit<

2. Online system query
nowadays, there are many online loan big data systems that can provide blacklist query, for example, you can search through mobile wechat: deep data search, query, you can get your own online loan big data information report at the first time. It can also detect the blacklist index of personal online loans and conct detailed analysis of big data of online loans

after entering the online loan blacklist, it will have a very bad impact on our lives. In the future, when we meet the economic crisis again, we will no longer be able to obtain loans with good reputation, so we must pay attention to this problem
hope to help you& quot;

3. According to the regulations on the administration of credit reference instry, indivials have the right to obtain their own credit reports free of charge twice a year. You can query the personal credit report through the personal credit information service platform of the credit information center of the people's Bank of China. Official website of credit reference center: www.pbccrc.org.cn
response time: December 17, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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https://b.pingan.com.cn/paim/iknow/index.html

4. Materials to be prepared for the inquiry of credit records in the people's Bank of China: 1. If you apply for the inquiry of your credit report, you need to prepare the following materials: 1. The original and of your valid ID card, and keep a of your valid ID card for future reference; 2、 Fill in the personal credit report application form truthfully. 2、 If the credit report is inquired by others in China, the following materials should be prepared: 1. The original and of the valid identity documents of the client and the Chinese, and the of the valid identity documents should be kept for reference; 2、 A letter of authorization from the client for credit inquiry; 3、 Chinese people fill in the personal credit report application form truthfully. The credit reference center of the people's Bank of China began to implement the charging system for personal inquiry of personal credit reports on June 3, 2015; Specifically, if an indivial inquires more than twice a year, he or she will be charged a service fee of 25 yuan each time, and the first two times a year will be free of charge. The number of personal inquiries in 2014 is calculated from June 3, 2014, and from January 1, 2015 onwards