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How does a bank check personal credit? How does a bank check personal credit

How does a bank check personal credit? How does a bank check personal credit

Each of us has credit investigation records in the bank. Personal credit investigation can be queried in two ways: bring our ID card to the local people's Bank of China to print personal credit investigation report, and the report can also view personal credit investigation; Through the official website of the people's credit investigation center of China. Let's look at the specific query methods.

Here's how to query personal credit records online:

1. Open the computer browser, search 'personal credit investigation' on Baidu and enter the official website of 'credit investigation center of the people's Bank of China';

2. On the homepage of the official website of the credit investigation center of the people's Bank of China, find the 'Internet personal credit information service platform', and click to enter;

3. After entering, click 'start now' on the page;

4. At this step, we need to register an account and click 'new user registration' on the right. If the registered user does not need to register, he can log in directly;

5. On the account registration page, fill in relevant personal information according to the requirements on the registration page to complete the registration;

6. After the registration is completed, directly return to and log in to the account;

7. After successful login, select 'apply for credit information' on the page;

8. On the application credit information page, we need to provide personal information verification. The verification methods include bank card verification, digital certificate verification and problem verification. Here, the editor selects the bank card verification method, checks all the contents to be queried below, and click 'next';

9. On the bank card verification page, click 'obtain UnionPay authentication code';

10. Fill in the information of your own bank card on the pop-up page for verification;

11. After successful verification, the authentication code will be recovered to UnionPay;

12. Return to 'credit application information', input and submit the received UnionPay authentication code;

13. Finally, the central bank will send the SMS verification code of credit inquiry to our mobile phone within 48 hours. As long as we input the SMS verification code, we can obtain our own personal credit records, and the obtained personal credit records can also be downloaded.