How to query the bank's personal credit database?

The inquiry process of personal credit report is as follows:

Individuals apply for inquiries and appointments to credit reporting agencies by telephone or email. Tel: 62077196; Online booking:

Within 2 working days, the credit reporting agency shall make an appointment for registration;

Individuals come to the credit report inquiry acceptance point, fill in the inquiry application form, show their original ID cards, and receive their credit reports on the spot.

Query location:

Xishi Sub-branch of Bank of Communications Shanghai Branch: No.350 Jiangning Road (near Xinzha Road), Tel: 6258983 1.

Huaihai Middle Road Sub-branch of CITIC Industrial Bank Shanghai Branch: Huaihai Middle Road 1355 (near Fuxing Middle Road), Tel: 643 18545.

Shanghai Bank Pudong Branch: No.699 Zhang Yang Road (near Yaohan), Tel: 58305830- Information Desk.

Shanghai Credit Information Co., Ltd.: Beijing West Road 13 18 (near Xikang Road), Tel: 62077206.

3. How much does it cost to check the personal credit report?

A: It can be divided into the following situations.

1. I checked my credit report and found that 30 yuan was charged, but no charge was found.

2. The inquiry of the credit reporting agency shall be solved by the credit reporting agency and Shanghai Credit Information Co., Ltd..

3. Individuals object to the special records of bank credit records or credit reports. If the objection is confirmed after verification, the individual may ask the credit reporting agency to obtain the corrected credit report free of charge.

4. What problems should the inquiry applicant pay attention to when handling the inquiry?

A:

The application for credit report inquiry must be made by myself, and please show your valid certificate when inquiring;

The content of credit report is based on the credit information of consumers in the personal credit joint credit information system as of the reporting time, which is reported by relevant institutions and individuals in the process of joint credit information, collected by credit reporting institutions and incorporated into the personal credit joint credit information system;

Credit reporting agencies promise to maintain their objective and neutral status and ensure that this principle runs through the whole process of information collection, processing and integration;

The credit report is for reference only and does not serve as any proof;

If you find that the information in your consumer credit report is wrong, please raise an objection to the credit reporting agency in time;

If you have any objection to your basic information in the credit report, the credit bureau will correct it according to the relevant supporting documents provided by you; If there is any objection to other information, the credit reporting agency will verify it according to the objection investigation process;

Please take good care of your credit report and keep it confidential.

5. What is a record of bad credit information? If you occasionally default on water and electricity bills, will it be listed as a bad credit record?

A: Bad credit information records generally refer to bank loans, credit card overdrafts, arrears of mobile phones and public utility fees, which are large in amount and long in arrears, and have not been paid after reminders, to the extent that relevant institutions can consider them malicious acts, and some of them have entered the judicial process through legal channels. Generally speaking, when an individual fails to pay on time as agreed by both parties in the process of obtaining products and services from a credit unit, it constitutes bad credit. Specific standards (such as the amount of arrears, the time of arrears, etc.) will be formulated and published by the Municipal Credit Information Office in conjunction with relevant departments in the near future. At present, it is generally implemented by the lender in accordance with the relevant standards in the industry. For example, the People's Bank of China stipulates that a quasi-credit card overdraft exceeding 180 days can be considered as malicious overdraft. Generally, commercial banks have different standards, but they are generally stricter than those stipulated by the People's Bank of China. Fraudulent use of other people's credit cards constitutes the crime of credit card fraud; Malicious use of mobile communication, resulting in huge arrears.

Public utilities have a standard definition of the degree of arrears, depending on the degree of arrears, including the time and frequency of arrears. Not all arrears information will be reflected in the personal credit report. Generally, only when it is overdue for many times within a considerable period of time will it be included in the list of arrears. Moreover, these arrears records will not be included in the "blacklist" in the usual sense, but will only be regarded as general records. At present, the bill is more than 10 month, and the unpaid bill is included in the special record of public utilities after being collected by public utilities. In addition, public utilities generally conduct manual verification and inform them before determining the default list.

6. Once the default information of public utility charges is included in the joint credit information system, how long will it be retained?

A: This meeting will depend on the specific business characteristics of public utilities, but it will not exceed 7 years as stipulated in the Trial Measures of Shanghai Municipality on Personal Credit Information Management.

7. If there is a record of default in public utility fees in the credit report, what impact will it have on credit evaluation?

A: These records will have a certain impact on credit evaluation, but the degree of impact depends on the weight setting of such information in the evaluation model design.

8. If there is a record of arrears in water and electricity charges in the credit report, what impact will it have on the loan application?

A: These records, like other information in the credit report, will become one of the reference bases for bank loan review. The success of the loan application ultimately depends on the bank's loan decision.

9. What are the uses of personal credit reports?

A: At present, personal credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, personal credit report provides a way for individuals to examine and standardize their own credit behavior, and also forms a verification mechanism for personal credit information.

10. Why can't I check my personal credit report by phone or online?

Answer: Because the personal credit report records the track of personal credit history in detail, it is impossible to achieve the purpose of telephone inquiry. However, with the advancement of the credit evaluation project, you will soon be able to check your credit score (credit) through voice calls. Shanghai Credit Information Co., Ltd. plans to launch voice telephone consultation service in August.

At present, due to network security, identity confirmation of inquirers and other reasons, the online inquiry service of personal credit report will not be carried out for the time being. With the improvement of network security and the establishment of identity confirmation mechanism, we will strive to launch online inquiry service in the second half of this year.

1 1. Can individuals check other people's credit reports?

A: No, only the inquiry request of consumers with their ID cards is accepted.