With the continuous development of the Internet, personal credit is getting more and more attention in our daily life. Maybe many parents have encountered such problems. In today's increasingly important 'credit', how to know their own credit records? In fact, we can use mobile phones to query personal credit. Do you know how to operate?
New credit information in 2019
The credit reference center of the people's Bank of China has trial run the new version of personal credit report, which will be officially launched in the near future. It is reported that the new version of personal credit report in 2019 is more rich and comprehensive. For example, if the repayment record is extended to five years, detailed repayment information and overdue information will be recorded; new repayment amount, overdue or overdraft amount will also be marked. In addition to financial information such as loans, the new version of credit information will include more extensive information, such as telecommunications business, water business payment, tax arrears, civil adjudication, enforcement, administrative punishment, minimum living security assistance, practice qualification and administrative awards. In this way, the credit report can better reflect the personal credit situation, enhance the credibility and practical application of the personal credit report, which is the biggest difference between the new version of the personal credit report and the old version.
The new version of credit investigation in 2019 will be implemented in May, and consumers should pay attention to it. According to the regulations introduced above, credit investigation will be affected not only in the aspect of overdue loans, but also in the aspect of life payment, including water fee arrears. Nowadays, there are many ways to query credit information, and the same can be done on mobile phones. How can mobile phones check personal credit information?
Mobile phone credit inquiry steps
1. Go to the home page of the credit center of the people's Bank of China and click the online personal credit information service platform. Then fill in the login name, password and click login.
2. Certification. Users can choose the bank card, digital certificate or mobile financial IC card authentication method to obtain the verification results; they will receive the audit results 24 hours after submitting the application.
3. Submit the query request. The platform provides three kinds of product services: personal credit information, personal credit information summary and personal credit report. Personal credit information uses one sentence to prompt registered users whether there are overdue records in the personal credit information system in the past five years; personal credit information summary shows registered users their personal credit status, including the summary information of credit records, public records and query records. The personal credit report shows the basic information of the registered user's personal credit information.
4. Get the query results. After the credit information product is processed (usually on the second day after the query application is submitted successfully), the platform will send the authentication code to the user in the form of SMS. Users can use the authentication code to view the query results on the login platform within 7 days after receiving the authentication code.