Is there a difference between checking personal credit information online and printing credit information by banks?

It's different. The credit report printed by the bank is more detailed, recording personal basic information, university information, work information, social security information, as well as various online loan information, overdue information and inquiry information. Take me for example. The credit report of online application shows 6 pages, and it was printed in the People's Bank of China, and 30 pages were printed.

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The credit report printed online is the same as that printed by the bank. Contents of personal credit report:

1. Personal credit report mainly records overdue records of loans, credit cards or quasi-credit cards overdrawn for more than 60 days in the last five years;

2. Personal credit records, public * * * information and the summary of records in the last two years. The inquiry records generally show the reasons, methods and times of inquiry. ;

3. There are many contents such as credit records, public records and inquired records.

Personal credit inquiry and printing method:

1. There are three ways to inquire about credit information: bring your ID card to the local central bank's credit information center for on-site inquiry; Inquire through some bank ATMs or websites; Log on to the website of the central bank's credit information center, register and submit an inquiry application.

2. Printing of credit records: you need to take the original and photocopy of your ID card to the Credit Information Center of the People's Bank of China for inquiry and printing, and some banks in Beijing have also launched self-service credit information report inquiry machines; In addition, according to the current regulations, it is free for individuals to inquire about personal credit reports twice a year, and a service fee will be charged for the third time and above, 25 yuan.

At present, the credit report is divided into a short version and a detailed version, which correspond to the electronic personal credit report inquired online and the credit report printed by the local branch respectively.

1, short version. Inquire directly on the website of Credit Information Center of China People's Bank, register a personal account, and obtain an identity verification code to export the electronic version after logging in.

2. Detailed version. You must go to the counter of the local people's bank or the self-service machine. Now most banks are equipped with self-service machines. Just insert your ID card, face recognition and mobile phone verification code, and issue a credit report at 1 min. This kind of self-service machine is not only available in the People's Bank of China, but also in Minsheng Bank. You can go to the bank to find out.

What's the difference between online printed and bank printed credit reports?

1. In the personal credit report inquired by the online credit information center, the customer's ID number only shows the last four digits, and the rest figures are shielded with asterisks. Displays all the customer ID numbers in the personal credit report inquired by the credit sub-center.

2. The update speed is different. The number of inquiries in the online loan report will be updated in real time, and this item in the report inquired by the sub-center of the People's Bank of China will be updated in 1 days.

3. The report printed by the People's Bank of China is more detailed, including the specific time and amount of overdue credit cards, the situation in loans overdue, personal information and telephone numbers.

To sum up, if you just want to check your credit information, you can choose to check the electronic version online. If you want to apply for mortgage, provident fund loans, large credit loans, etc. It is more appropriate to print a paper version at the bank counter.