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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

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

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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

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:

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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

(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

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

You can go to the credit reference center of the people's Bank of China according to the following process:

1. first enter the credit reference center of the people's Bank of China, select the Internet personal credit information service platform, and click to enter

Personal credit report can be inquired in the people's Bank of China in any city

1. Online query

users can query their own credit reports on the personal credit information service platform of the credit reference center of the people's Bank of China
after the user's registration application is verified, the platform will send the activation code to the user's registered mobile phone, and the user should log in to the platform within seven days to activate the user with the activation code

2. On site inquiry:
inquiry process: take the original and one of my valid ID card, fill in the personal credit report inquiry application form at the inquiry branch, and submit the inquiry application. If the inquiry is more than twice in that year, the inquiry fee shall be paid< br />

You can check the local branch of the people's Bank of China first, and then carry the relevant information and certificates to print

information: the ID card of the legal representative of the enterprise, the registration certificate of the enterprise, the certificate of organization credit code, enterprise loan card or organization code card, official seal, etc

if you are entrusting someone else to help you print, in addition to the above materials, the client also needs to prepare his own identity card and the certificate of authorization of the legal representative of the enterprise. This answer is provided by qianmeihua, which is a credit platform of xiaoman finance. Duxiaoman finance will implement the call of the state to support small and micro enterprises to tide over difficulties, fully support the proction and operation of small and micro enterprises, and most small and micro owners choose qianmeihua to meet the turnover demand of small and micro enterprises. It is reported that 70% of the credit users of xiaoman finance are small and micro business owners. Up to now, xiaoman finance, together with dozens of financial partners, has issued hundreds of billions of yuan of loans to small and micro business owners. As for capital turnover, xiaoman finance is more secure for big brands