Where can I check personal credit report in Shanghai?

There are 57 places in Shanghai where credit reports can be printed. You can bring your second-generation ID card to the nearest service outlets, pay attention to the official WeChat account "Shanghai Credit Inquiry Guide" to find service outlets, or open the map to search for "personal credit report".

Shanghai credit information self-service inquiry outlets are as follows:

Pudong

1, Shangnan Sub-branch of Shanghai Rural Commercial Bank Pudong Branch (self-service inquiry machine)

Address:No. Shangnan Road 13 18, Pudong New Area, Shanghai

Tel: 962999

2. Shanghai Free Trade Zone Sub-branch of Industrial Bank (self-service inquiry machine)

Address: No.649, Zhang Yang Road, Pudong New Area, Shanghai.

Tel: 02 1-685990 18.

3. Business Department of Shanghai Branch of China Minsheng Bank Co., Ltd. (self-inquiry machine)

Address: No.0/00, Pudong South Road, Pudong New Area, Shanghai

Tel: 02 1-6 1877072

4. Personal Loan Processing Center of Punan Sub-branch of Ping An Bank Shanghai Branch (self-service inquiry machine)

Address: Personal Loan Processing Center on the second floor,No. 135 1, Pudong South Road, Pudong New Area, Shanghai.

Tel: 955 1 1-3.

5. China Everbright Bank Shanghai Branch Business Department (self-service inquiry machine)

Address:No. century avenue118, Pudong New Area, Shanghai.

Tel: 02 1-23050906

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. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

By the end of 20 15, the database had recorded 870 million natural persons, of whom 370 million had credit records.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

The Measures for the Administration of Credit Information Business was deliberated and adopted at the 9th executive meeting of the Central Bank on September 30th, 20021,and is hereby promulgated and shall come into force as of June 30th, 2022.

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 widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information

1, personal basic information identifies an individual and reflects his 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 personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Draft an administrative management bill

Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.

Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.

After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.