Understand personal credit to create an atmosphere of integrity

In recent years, with the continuous improvement of my country's credit reporting system and the continuous improvement of people's credit awareness, personal credit reports, as a "economic identity card", are continuously expanding the application of social life.

June 14 this year is the 15th National "Credit Record Caring Day". Recently, the city's bank insurance institutions have carried out various forms of publicity activities to further enhance the public's understanding of credit information knowledge, and actively create a good atmosphere of "learning credit, understanding of credit, credit, and integrity".

So, what is credit reporting, what is the role of credit reports, and how to inquire about personal credit reports? The reporter organized this.

1. What is the personal credit report and where does it come from?

Personal credit report is an objective record of personal credit history. Record information such as personal borrowing and repayment, contract performance, and abide by the law. The credit report comes from the credit reporting system, also known as the "financial credit information basic database" and "the basic database of the enterprise and personal credit information", which is collectively referred to as the "credit reporting system". This is the database of personal credit information established by the country. Credit trading information and other credit information are recorded in this system.

2. What is the role of credit reports?

Personal credit reports have become the second "ID card" for citizens, with many use and great effects. Can be used for loan and credit card approval, qualification examination, employee recruitment, etc. If the record is good, get loans and credit cards quickly, and enjoy low interest rates; if the record is not good, it is not conducive to obtaining loans and credit cards, and interest rates may be higher.

3. What is a credit reporting center?

That is the Credit Center of the People's Bank of China. Responsible for the construction, operation and maintenance of the credit reporting system; the public institutions directly under the People's Bank of China; the purpose of not for profit; independent third parties.

4. What are the credit reports?

The credit report records the five types of information in detail:

Basic Information. Including identity information, residential information, occupational information, etc.

Credit information. Refers to the core information of borrowing money to repay money, the most core information in credit reports.

Non -financial liabilities. For the information formed after consumption, such as telecommunications, payment.

Public information. Social security provident fund information, court information, tax arrears information, administrative law enforcement information, etc.

search information. In the past two years, who has checked your credit report for what reason.

5. How long is the credit report updated?

Daily update. Most loan institutions report data to the credit reporting system every day, so the changes that occur today may be displayed in personal credit reports the day after tomorrow.

6. How to check the credit report?

There are many channels for the current credit report in our city. Citizens can log in to www.pbccrc.org.cn through online inquiries, click "Internet Personal Credit Information Service Platform" under the "core business" item of the homepage → enter the query page → click "Start soon" → After new user registration → user login → online authentication → fill in the inquiry application → get a credit report (the next day can be obtained), you can get personal credit records without leaving home.

If you choose offline inquiries, citizens can bring their own valid ID and photocopy, go to the self -service terminal inquiries of the People's Bank of China or the Municipal Affairs Service Center, or you can also entrust the inquiry at the commercial bank counter.

7. What should I do if I find that there are errors in the credit report?

You can raise objections to the loan institution or credit reporting center (sub -center) and ask for correction. In addition to me, you can also entrust an agent to apply for objections. The original and photocopy of the valid identity documents of the commissioner and agent can be processed by the original and copy of the authorized attorney.

8. What should I do if I am not satisfied with the results of the objection?

statement. You can apply to the credit report center to add "my statement" to the credit report to explain the situation;

complaint. You can complain to the local people's bank credit management department or financial consumer rights protection department, and generally receive feedback within 30 days;

litigation. Can sue to courts with jurisdiction and resolve demands through judicial procedures.

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