Where can I check my personal credit for free?

1, credit report of China Bank. You need to bring your ID card to the local China Bank outlet for enquiry. Hu's credit report will show the user's loan platform, loan amount, loan term, negative information and other data in the past five years.

2. 100 bank credit reports. You can find it by opening WeChat: enter information to find your own credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can find their own big data and credit status, obtain various indicators, and find their own personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

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At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more and more widely used in various commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way to inquire and standardize the behavior of personal credit records, forming a verification mechanism of personal credit information.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users.

Credit information

1, which can be used to identify personal identity and reflect personal basic information of family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by the credit purchase relationship between individuals and commercial institutions and public utility service institutions;

4, administrative organs, administrative affairs executive organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;

5. Other information related to personal credit.

The influence of bad credit record

1, affecting loans

If you have a bad credit record, you can't get a bank loan or even a credit card in the future. This is called spending tomorrow's money to enjoy today's happiness.

2. Affect travel

If there is a bad credit record, overdue repayment will be included in the credit information system, and personal travel will also be affected. For example, you can't fly, train, etc.

3. Affect employment

Many big companies will do a background check on you before you join the company. If you find that you have a bad credit record, you will definitely not be able to join the job.

Step 4 affect the family

Bad credit records not only have an impact on themselves, but also have a certain impact on families. For example, if one of the husband and wife has a bad credit record, then the other party will be rejected if he wants to borrow money to buy a house or a car; Remind friends not to have bad credit records, not to default on any expenses in life, and if there are certain difficulties, choose the minimum repayment amount and installment.