How to check personal credit information, and what are the self-service inquiry outlets?

There are three methods for personal credit inquiry: self-service inquiry machine inquiry, online inquiry at the Credit Information Center of the People's Bank of China and on-site inquiry at the branches of the People's Bank of China. Among them, there are 29 self-service inquiry machine inquiry outlets in Beijing.

1. Why check personal credit report?

Personal credit record affects the loan amount and whether the loan application can be approved. For example, when applying for a state-managed provident fund loan, the borrower's personal credit record must first be reviewed; if the borrower is married, it must also be reviewed Spouse’s credit record. If either spouse has a bad record, it will affect loan approval. For state-managed provident fund loans, only the credit records of the 24 months before the loan application are reviewed.

If the credit report shows bad credit, the maximum loan amount may be reduced or even the loan application may be rejected; on the contrary, if the credit record is good, you may get a loan quickly and even get a preferential interest rate.

In addition, understanding the credit report and promptly applying for correction of erroneous information in the credit report center or the bank where the business occurred can avoid adverse effects on yourself. Maintaining a good personal credit score will help you enjoy loan discounts in the future and speed up the loan review process.

The necessity of checking personal credit information

2. What are the methods for checking personal credit information?

There are three methods for personal credit inquiry: self-service inquiry machine inquiry, online inquiry and on-site inquiry at branches of the People's Bank of China.

There are three methods of personal credit inquiry

1. Self-service inquiry machine

Use the personal credit report self-service inquiry machine to quickly print out your personal credit Reporting is more convenient and faster. When using the self-service inquiry machines for personal credit records provided by commercial banks, you only need to bring your ID card.

(1) Operation process

a. Place your valid personal ID card at the second-generation ID card swiping area on the self-service credit record inquiry machine;

b. The system collects the face image of the inquirer on-site, and then automatically compares the "ID photo" with the "on-site photo";

c. If the comparison results are consistent, enter the inquirer as prompted on the page mobile phone number, click the Agree button after confirmation.

d. The system will automatically print out the enquirer's personal credit report.

(2) There are 29 self-service inquiry machine outlets, mainly located at Rural Commercial Bank, China Merchants Bank and Shanghai Pudong Development Bank (the addresses of the 29 outlets are attached at the end of the article).

2. Online inquiry

(1) Personal credit information system registration

Log in to the official website of the Credit Information Center of the People's Bank of China and enter the homepage - Internet Personal Credit Information service platform. Click ?Start Now? and follow the prompts to complete the new user registration.

Click ?Start now? and fill in the relevant information as required to complete the registration

(2) Log in to the personal credit system

After completing the registration, You can log in immediately.

Login success page prompts

(3) Select credit verification method

After successful login, you can choose the verification method that suits you: bank card verification, digital certificate Verification or problem verification. Among them, the first two methods can feedback the identity verification results in real time, and the third method will feedback after 24 hours.

Three verification methods, the inquirer can choose freely

(4) Query the credit report according to the identity verification code

After selecting any verification method to submit, The mobile phone number used during registration will receive a message containing an "identity verification code" (when you choose a question for personal verification, you will receive a text message containing the identity verification code about 6 to 7 hours after submission). On the information service-obtain user information page, select credit information and fill in the identity verification code and submit it to see your personal tips, summary or detailed personal credit report.

After filling in the identity verification code and submitting it, you can see your personal credit report

Note:

The identity verification code should be kept properly. If it is lost or expired, it needs to be reset. Apply. The verification code is valid for 7 natural days, and the outdated platform will be automatically cleared. Therefore, those who apply for inquiries should log in in time to view the results.

The time when the identity verification code SMS is received is affected by many factors, and the actual situation shall prevail.

Illustration of parts of personal credit report

Summary of personal credit information

Personal credit information reminder

3. Go to all branches of the People's Bank of China nationwide Institutional on-site inquiry

You can inquire by yourself or entrust others to inquire, and the results will be available on the same day.

(1) Personal Inquiry

You need to bring the original and a copy of your valid ID, fill in the "Personal Credit Report Inquiry Application Form" at the inquiry outlet and submit the inquiry application.

Personal Credit Report Personal Inquiry Application Form

Valid identity documents include: ID card (the second-generation ID card must be copied on both sides), military officer ID, soldier ID, passport, Hong Kong and Macao Mainland Travel Permit for Residents, Mainland Travel Permit for Taiwan Compatriots, Residence Permit for Foreigners, etc.

(2) Entrusting others to inquire

If entrusting others to inquire personal credit reports on-site at the inquiry point, the entrusted person should provide the original valid identity documents of himself and the entruster, and the authorization notarization To prove it, fill out the "Personal Credit Report Inquiry Application Form" at the same time, and keep copies of the valid identity documents of the principal and agent, and the original notarized certificate of authorization for future reference.

You can also prepare and complete the "Personal Credit Report Personal Inquiry Application Form" by yourself. The details can be downloaded from the official website of the Credit Information Center of the People's Bank of China.

3. What are the inquiry outlets for personal self-service inquiry machines?

Currently, there are 29 self-service credit inquiry outlets in Beijing.

Xicheng District

1. People’s Bank of China Credit Information Center Beijing Branch (counter inquiry/self-service inquiry machine)

Address: Yuetan North, Xicheng District Room 907, Building A, Henghua International Business Center, No. 26 Street

Tel: 010-68559206

2. Beijing Rural Commercial Bank Xicheng Branch Business Department (self-service inquiry machine)

< p>Address: No. 4, Fuxingmenwai Street, Xicheng District

Telephone: 010-96198

3. China Merchants Bank Personal Loan Fuxingmen Branch Center (self-service inquiry machine)

Address: 10th Floor, Building 4, Chang'an Xingrong Center, No. 1 Naoshikou Street, Xicheng District

Telephone: 010-95555

4. China Construction Bank Fengsheng Branch (self-service inquiry Machine)

Address: 1st Floor, Building B, Heng'ao Center, No. 19 Taipingqiao Street, Xicheng District

Telephone: 010-88085021

Dongcheng District

5. Shanghai Pudong Development Bank Yabao Road Branch (self-service inquiry machine)

Address: 1st Floor, China Resources Building, No. 8 Jianguomen North Street, Dongcheng District

Tel: 010- 85192337

6. Beijing Rural Commercial Bank Dongsishitiao Branch (self-service inquiry machine)

Address: 1st Floor, Nanxincang Business Building, No. 22 Dongsishitiao A, Dongcheng District< /p>

Telephone: 010-96198

7. China Merchants Bank Chang’an Street Branch (self-service inquiry machine)

Address: No. 11-1 Jianguomennei Street, Dongcheng District< /p>

Telephone: 010-95555

8. Shanghai Pudong Development Bank Beijing Branch (self-service inquiry machine)

Address: Jincheng Jianguo, No. 5 Jianguomen North Street, Dongcheng District In the No. 5 Lianjia Signing Center

Haidian District

9. Zhongguancun Central Branch of the People's Bank of China (counter inquiry/self-service inquiry machine)

Address: Dan, Haidian District 1st Floor, Zhongguancun Financial Building, No. 6 Leng Street

Telephone: 010-88655633

10. Beijing Rural Commercial Bank Haidian Branch Business Department (self-service inquiry machine)

Address: No. 77 Suzhou Street, Haidian District

Telephone: 010-96198

11. China Merchants Bank Personal Loan Zhongguancun Branch (self-service inquiry machine)

Address: 1st Floor, China Putian Building, No. 6 North 2nd Street, Haidian District

Telephone: 010-95555

12. Bank of Beijing Zhongguancun Entrepreneurship Street Small and Micro Branch (self-service inquiry machine)

Address: Entrepreneurship Hall, No. 29 West Street, Haidian District

Chaoyang District

13. Beijing Rural Commercial Bank Jingliang Branch (counter inquiry/self-service inquiry machine)

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Address: 1st Floor, Jingliang Building, No. 16 East Third Ring Road, Chaoyang District

Telephone: 010-96198

14. Dawang Road Branch of Beijing Rural Commercial Bank (self-service Inquiry machine)

Address: 1st Floor, Building 3, No. 15 Xidawang Road, Chaoyang District

Telephone: 010-96198

15. Beijing Rural Commercial Bank Wangjing Branch of Chaoyang Sub-branch (self-service inquiry machine)

Address: No. 130, Nanhu Zhongyuan, Chaoyang District

Telephone: 010-96198

16. Pudong, Shanghai Development Bank Huizhong Branch (self-service inquiry machine)

Address: 1st Floor, Olamada Hotel, No. 214, Huizhong Beili, Chaoyang District

Telephone: 010-64872366

17 .Shanghai Pudong Development Bank Beijing Branch (self-service inquiry machine)

Address: Inside the Maitian Signing Center, Fosun International Center, Building 237, Chaoyang North Road, Chaoyang District

Shijingshan District

18. Beijing Rural Commercial Bank Shijingshan Branch Business Department (self-service inquiry machine)

Address: No. 78, Yangzhuang East Road, Shijingshan District

Telephone: 010-96198

< p>Daxing District

29. Shanghai Pudong Development Bank Tianhuayuan Branch (self-service inquiry machine)

Address: Daxiong Commercial Center, Building 19, Erli District 2, Tianhuayuan, Daxing District First Floor

Tel: 010-67891180

Fengtai District

20. Beijing Rural Commercial Bank Fengtai Branch Business Department (self-service inquiry machine)

< p>Address: No. 101, Xiju South Street, Fengtai District

Telephone: 010-96198

Tongzhou District

21. Beijing Rural Commercial Bank Tongzhou Branch (self-service Inquiry machine)

Address: No. 63, Liyuan North Street, Tongzhou District

Telephone: 010-96198

Huairou District

22. Beijing Rural Commercial Bank Huairou Branch Business Department (self-service inquiry machine)

Address: No. 18, Yingbin North Road, Huairou District

Telephone: 010-96198

Shunyi District

23. Beijing Rural Commercial Bank Shunyi Branch Business Department (self-service inquiry machine)

Address: No. 15, Xinshun South Street, Shunyi District

Tel: 010- 96198

Mentougou District

24. Beijing Rural Commercial Bank Mentougou Branch Business Department (self-service inquiry machine)

Address: 1 Binhe Building, No. 115 Binhe Road, Mentougou District Floor

Telephone: 010-96198

Fangshan District

25. Beijing Rural Commercial Bank Fangshan Branch Business Department (self-service inquiry machine)

Address: No. 1, Changhong East Road, Liangxiang, Fangshan District

Telephone: 010-96198

Pinggu District

26. Business Department of Beijing Rural Commercial Bank Pinggu Branch (Self-service inquiry machine)

Address: No. 8, Pingle Street, Xinping North Road, Pinggu District

Telephone: 010-96198

Changping District

< p>27. Beijing Rural Commercial Bank Changping Branch Business Department (self-service inquiry machine)

Address: New Century South, Gulou South Street West Road, Changping District

Telephone: 010-96198

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Miyun District

28. Beijing Rural Commercial Bank Miyun Branch Business Department (self-service inquiry machine)

Address: No. 25 Gulou South Street, Miyun District

< p>Telephone: 010-96198

Yanqing District

29. Beijing Rural Commercial Bank Yanqing Branch Business Department (self-service inquiry machine)

Address: East Yanqing District No. 109, Waijie Street

Tel: 010-96198

Note: The location of the self-service inquiry machine may be changed due to time, policy and other factors. Please refer to the actual situation. You can call to confirm before making inquiries.

Personal credit record is an important document for successfully obtaining a loan when purchasing a house. Therefore, home buyers must maintain their personal credit record.

Data sources: "Notice on Adjusting Measures for Personal Loans of Housing Provident Funds of Central State Agencies", "Business Procedures for Personal Credit Report Inquiry of Basic Financial Credit Information Database", Credit Reference Center of the People's Bank of China

< p>This content is only applicable in Beijing