Hu Cha in the WeChat applet said that you can check your personal credit status. Is that true?

Guide: At present, there are many kinds of small programs on WeChat, and the number is too complicated, so that the threshold may not be high, and it will not have great credibility. So there is a small program about personal credit information to ask whether it is true or not. First of all, if there is no credibility, then the results of the query have no real meaning. So, just to be on the safe side, let's go to the regular platform to inquire.

1. What is personal credit reporting? Personal credit investigation refers to personal credit investigation, specifically a personal credit investigation agency established according to relevant laws and regulations. In the process of collecting personal information, relevant institutions shall provide personal credit history records to relevant institutions according to service activities such as personal credit inquiry and personal credit evaluation. Generally, you can check whether there is a record of loans overdue service in the last five years on the personal credit record, and there are also records of debit card overdraft for more than 60 days; Personal basic information summary and personal credit report.

Second, how to query personal credit information? It is generally necessary to register in the personal credit information system and provide a summary of personal information. After applying to the official system, if the credit product is completed, the platform will send a verification code to the user within 48 hours after successfully submitting the application. After receiving the verification code, the applicant can log in to the official platform identity verification code to view the query results of personal credit information. Generally, you need to wait during the query process.

3. Can I check other people's personal credit records? No matter when, where and under what circumstances, personal credit information is the privacy of others. If there is no specific situation, it is not allowed to inquire about other people's credit records privately, otherwise the privacy of others will be violated. In a moral sense, inquiring about other people's credit records is a sign of distrust of others, so it is not recommended to inquire about other people's personal credit records privately. If it is necessary to check personal credit records, reasonable and legal means should be taken to avoid unnecessary trouble.