credit record comprehensively and truly records a person's credit performance. Currently in our country, personal credit records are mainly stored in the People's Bank of China's credit system, and inquiries are provided to individuals in the form of personal credit reports. It covers a person's repayment of bank loans, compliance with contracts, compliance with laws, etc. There are records of repaying money on time, as well as records of not repaying money on time or not repaying borrowed money.
Under normal circumstances, you can check your credit report. It is everyone's right to care about their own credit report. So, how often is the best time to check your credit report?
Financial Optimization recommends that you check your credit report at least 1-2 times a year. While understanding your own credit status, you should also check whether anyone has used or stolen your identity to obtain loans or credit cards. The situation of illegal inquiries with your authorization, etc.
So how can you check your credit report?
Currently, individuals can check personal credit reports in three ways:
1. Internet query: You can search the credit record query official website on Baidu , and then log in with your own ID card . Internet query methods generally cannot query in real time and need to wait. Review. Only after passing the review can you query the credit report.
2. Self-service inquiry: At present, all bank branches are equipped with self-service inquiry counters. Currently, there are 29 personal credit report inquiry points in Chengdu, equipped with a total of 24 self-service inquiry equipment.
3, counter inquiry: inquiries can be made at the counters of all major banks.
You have two opportunities to check your credit report for free in a year. We recommend that you pay more attention to your credit record and cherish your credit record.
