How can the credit reference center check at the counter

1.

Personal credit card holders can go to the bank to inquire

there are three ways of credit investigation:

1. carry ID cards to the credit investigation centers of central banks for on-site inquiry

2. through some bank ATMs or websites

3. log in to the website of the central bank credit reference center, register and submit the application for inquiry

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what is recorded in the personal credit report:

1. the records in the personal credit report are mainly the records of loans, overe credit cards or overdraft of quasi credit cards for more than 60 days in the past five years

2. the summary of personal credit records, public information and the inquired records of credit investigation reports in recent two years. Generally, the inquired records will show the reasons, methods and times of inquiry of institutions. In addition, there are credit records, public records and inquired records

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credit record printing:

1. you need to take the original ID card and a to the credit reference center of the people's Bank of China for inquiry and printing, and some banks in Beijing have launched a self-service credit report inquiry machine

2. in addition, according to the current regulations, it is free for indivials to inquire personal credit reports twice a year, and a service fee of 25 yuan will be charged for the third time or more

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you can query / print the credit report through the credit reference center of the people's Bank of China [click here to enter the website link]. Some cities can also be handled through our bank. The specific ways of CMB's inquiry are as follows:

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1. Counter: for the time being, only the following cities have opened CMB's agency inquiry service for credit reference reports. If you need to go to the inquiry, please call the customer service hotline in advance or consult the handling rules of the corresponding cities through online customer service (only on weekdays): Shenzhen, Suzhou Beijing, Nanning, Xuzhou, Liuzhou, Nanjing, Cheng

2. Professional version: after you log in to the professional version of CMB, you can click "one card → account management → personal credit report query" to query the credit report, which is more convenient

warm tips: ① the inquiry card must be related to the professional version at the counter before

② there is no seal on the credit report printed through the professional version

3. Mobile banking: you can log in to mobile banking and go to the home page - City Services - personal credit report. Click here to query the personal credit report. If you need to download it, you can fill in the email address. The pilot is divided into Beijing, Shanghai, Guangzhou, Shenzhen and Wuhan. Other branches have not yet launched

warm tips: click "query record", you can also query the record of personal credit report through CMB within one year

(response time: June 16, 2020, please refer to CMB's official website for the latest business changes)

3. There are four ways to query personal credit report: counter query, self-service query, commercial bank online banking query and Internet query
1. For counter inquiry, you need to bring: the original and of your valid ID card Personal credit report application form
counter inquiry is limited to personal inquiry. Valid certificates include: ID card, officer's card, soldier's card, passport, Hong Kong and Macao residents' travel permit to the mainland, Taiwan compatriots' travel permit to the mainland, foreigner's residence permit, etc
2. Self service query
I need to bring my second generation ID card for self-service query
self service query of personal credit report business is only for myself, and can only query each version once a day
the self-service inquiry machine can only identify the second generation ID card, and you can use other valid ID cards to inquire at the counter
3. Online banking query of commercial banks
if you hold the online banking U shield of Bank of Beijing, you can log in to the online banking of Bank of Beijing to apply for personal credit report query
4. Internet query
log in to personal credit report query website https://ipcrs.pbccrc.org.cn After successful registration and activation, you can query the credit report.

4. There are two ways to query personal credit records:
1. Go to the credit reference Hall of the local people's Bank of China and provide the original ID card for query. Log in the online personal credit inquiry system of the people's Bank of China
2. Through online big data credit query
online loan big data is generally the information submitted by a user when borrowing on the online loan platform. From loan to repayment or overe, these data will be uploaded to the database by the online loan company. If your big data is abnormal, you can get your big data and credit status in wechat's Dingyi data. You can also get all kinds of index data, such as blacklist, online loan application record, application platform type, whether overe, long loan, arbitration case, etc
compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the issuing institutions are more diversified. For example, Dingyi data and Zhima credit score are all part of personal credit records. On the whole, they are more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report

at present, the country is building a comprehensive "credit network" with no dead angle, connecting the society, information sharing, whether it is credit report or personal credit record, are an important part of it. To protect one's credit, credit is the greatest asset and wealth for everyone.

5. You can go to the Bank of China.

6.

Personal credit can go to the bank to check, you can take my ID card to the central bank credit reference center for on-site inquiry. At the same time, we can also query personal credit on the Internet

the steps of online credit inquiry are as follows:

1. search personal credit on the Internet and click to enter the credit information center of the people's Bank of China

   

7.

Common commercial banks and the people's Bank of China can check their credit

taking Beijing as an example, citizens need to bring their original ID card and two copies to room 810, Henghua International Building, No. 26, Yuetan North Street, Xicheng District, which is the Beijing Branch of the credit reference center of the people's Bank of China

when a commercial bank reviews a credit application, it can see your credit report, but it must be authorized by you in writing

if you are already a loan customer of a commercial bank or hold its credit card, the commercial bank can also read your credit report without your written authorization. You can also provide it to other organizations according to your own wishes

extended information:

materials to be prepared for credit investigation:

I. If I apply for credit report inquiry, I need to prepare the following materials

1. The original and of my valid ID card, and keep a 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 should be prepared.

1

2

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

8.

1、 Personal credit inquiry process of the people's Bank of China:

the basic personal credit information database (hereinafter referred to as the personal credit information system) established by the people's Bank of China's national commercial banks has been officially completed and put into operation nationwide since January 2006. Now indivials can query their own credit reports through the system

(1) the way to query personal credit report

indivials or entrusted others to query their own credit report in the credit reference sub center, in which the entrusted person is the agent< (2) I will check the credit report

1. I will bring the original and a of my valid ID card (the of which will be left to the credit reference sub center for future reference) to all branches and credit reference sub centers of the people's Bank of China. At present, the credit reference center does not provide credit report inquiry service through telephone and Internet

2. 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< (3) entrust others to inquire the credit report

1. The materials to be carried include the original and of the identity documents of the principal and the agent, and the power of attorney. The of ID card and power of attorney are left to the credit reference sub center for reference

2. In addition, you can complete the application form for personal credit report inquiry by yourself.

3. The charging standard for credit report inquiry is

currently, there is no charge< (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. My statement is the explanation made by the customer for some objections that cannot be verified in my credit report, and the credit reference center is not responsible for the authenticity of my statement< (5) inquiry records (5) notes on credit report issued by the credit reference center (5).

1. 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

2. The credit information in the credit report, except for personal statement, query record and objection mark, is collected from various banks or other institutions. The 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

extended data:

personal credit reference refers to the activities of collecting and processing personal credit information, and providing personal credit information query and evaluation services according to the requirements of users. Personal credit report is a kind of personal credit history record that the credit agencies process and collate the information collected according to law, and finally provide the legal information inquirers according to law

personal credit report

Introction to the report

personal credit report is a document issued by a credit reference institution to record your past credit information, and is an indivial's "economic ID card". It can help your trading partners understand your credit status and facilitate you to conclude economic and financial transactions

China name is gender identity, ID number and so on. As an alt Chinese citizen, each of us has People's Republic of China resident identity card. Citizens of other countries also have such identity documents. Their names may be different, but their functions are the same: to prove who you are as a natural person. So no one can do without this ID card

with the development of market economy, everyone's economic activities are more and more. In addition to proving who you are, you also need a convenient and reliable tool to explain whether you are trustworthy and reliable as a person engaged in economic activities. This tool is personal credit report

it records your performance in previous credit transactions, which can help your trading partners better understand you and make decisions on whether to trade with you as soon as possible

personal credit report has been very popular in Europe and the United States, almost everyone who has economic activities has personal credit report, and the application of personal credit report is more common, almost penetrated into every major indivial economic activities, including loan to buy a house, apply for credit card, buy insurance, rent a house, find a job, enjoy government benefits, etc. Without a 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 identity card", so people call it "economic identity card"

Generally speaking, there are two types of personal credit reports. One is for you to see. It includes all the information about you owned by credit agencies, including which bank gave you the loan and which telecom operator provided you with the service of calling first and paying later

another type of credit report is for banks or other institutions to see, including all your credit transaction information, but for the purpose of fair competition, the name of the institution that provides you with loans or other credit services is not recorded in the personal credit report, that is, the information of the institution that has no credit transaction with you, unless the institution is the one that inquires your credit report

purpose of report

personal credit report is mainly used in various consumer credit businesses of banks at present. With the continuous improvement of social credit system, credit report will be more widely used in various fields, such as commercial credit sales, credit transactions and job hunting. In addition, personal credit report provides a way for indivials to examine and regulate their own credit behavior, and also forms a verification mechanism of personal credit information

9.

Tools / raw materials:

official website of credit reference center of the people's Bank of China https://ipcrs.pbccrc.org.cn/ , click login to register a new user

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