What are the nationally recognized personal maintenance credit reports?

Officially recognized credit repair service agencies: Aerospace Information Credit Information Co., Ltd., Chengdu Digital Link Mingpin Technology Co., Ltd., Beijing Huifa Zheng Xin Co., Ltd., Beijing Taide Credit Management Co., Ltd., Beijing Credit Purchase Credit Management Co., Ltd., Quanlian Credit Information Co., Ltd. and Beijing Digital Smart Technology Co., Ltd. The credit report issued by the person who needs credit repair will be used as effective materials for credit repair applicants to apply for credit repair, and will be accepted by the "Credit China" website and local credit portals.

First, personal credit records query method:

1. You can go to the local branches and credit information sub-centers of the People's Bank of China for enquiry.

2. The information required for personal credit record inquiry needs to be inquired by myself or authorized by others on site. At that time, it is enough to bring the original and photocopy of my valid ID card, and leave the photocopy to the inquiry institution for future reference. Personal valid identity documents include: ID card, 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, and foreigner's residence permit. In addition, when inquiring, you need to fill in the "Personal Credit Report Inquiry Application Form" truthfully.

3. Personal credit record inquiry fee Personal credit report inquiry is a service provided by the Credit Information Center of China People's Bank on 1.4.8. In principle, a certain fee will be charged, but no fee will be charged for the time being.

Second, credit cards are overdue for a long time.

1, within three days overdue: all banks will provide timely services for cardholders, and repayment within three days overdue is regarded as timely repayment. But in fact, the implementation of each bank is different. For example, the Agricultural Bank can only postpone repayment for two days, while the Construction Bank can automatically postpone repayment for five days. If you are not sure, you can call the customer service phone of the bank for consultation. As long as you repay within the grace period, it will not be included in the credit report and will not be deducted.

2. Overdue for more than three days: it will basically be included in the central bank's credit information system, and the bank will charge a late fee according to the standard, and charge a penalty interest at the daily interest rate of five ten thousandths. However, because the overdue time is relatively short, the impact on applying for loans or handling credit cards in the future is not so great.

3. Overdue for more than 90 days or accumulated for more than 6 times: your credit record will be seriously affected, and you will be added to the blacklist of financial institutions. You can't apply for loans and credit cards, and even traffic will be affected.

Third, once the credit investigation is a very serious matter, you can use the following steps to eliminate it:

1, Pay off the debt: Don't try to avoid the problem, because if it is overdue all the time, credit card debt finance will get more and more interest, which will lead to high late fees. So pay off all the arrears immediately, including due interest and overdue interest.

2. Continue to use: The repayment records of credit cards will be rolled in the central bank's credit information system for 24 months, so you should continue to use overdue credit cards. Keep a good repayment record until the new repayment record covers the previous negative record two years later.

3. Bank statement: If you are unable to repay due to special reasons, such as unemployment and illness, you can ask the bank to state your actual situation before the repayment period comes. Declare that you are not in bad faith, and ask for deferred repayment and interest concessions.