Nanning personal credit report query location
New query network component
(1) Qingxiu District (2)
1. Release point 1: Taoyuan Sub-branch of Nanning Branch of Guilin Bank (No.63 Taoyuan Road, west of the first floor of Zhongneng Trust Building).
2. Distribution point 2: Zhongtai Road Sub-branch of Nanning Branch of Guilin Bank (Tian Jian International Building, No.9 Zhongtai Road, Qingxiu District)
(2) Xixiangtang District (1)
Venue: Ming Xiu Road Sub-branch of Nanning Branch of Guilin Bank (No.Ming Xiu West Road 1 165438, Building 3, Zheng Heng Commercial Plaza, Xixiangtang District).
Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and it is the basic product of personal credit information basic database. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments.
Personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report. 20 13,101October 28th, following the pilot projects in Jiangsu, Sichuan and Chongqing, the personal credit information service of the central bank was extended to all provinces in China in 20 15, and online inquiry was realized.
2065438+June 2008, the Credit Information Center of the People's Bank of China opened a personal credit information service platform, and published a personal credit report inquiry website and a credit information assistant on the official account of WeChat.
Credit use:
Look at your credit report.
Of course.
(3) How to check your own credit report?
You need to bring your valid ID to the Credit Management Department of the local People's Bank or the Credit Information Center of the People's Bank of Beijing for enquiry.
(4) Is there any charge for checking personal credit report?
Inquiring about personal credit reports is a service provided by the credit information center, so in principle, a certain fee is required.
credit report
People who have handled loans, credit cards and guarantee business.
(6) Who can see my credit report except myself?
Commercial banks. Commercial banks can read your credit report when reviewing your credit application, but they must get your written authorization; If you are already a borrower of a commercial bank or hold its credit card, this commercial bank can also read your credit report, but you don't need your written authorization. Of course, you can also provide it to other institutions according to your own wishes.
(7) Who provided the personal credit report?
China People's Bank Credit Information Center. It is a public institution directly under the People's Bank of China, responsible for the daily operation and management of the basic database of personal credit information, and providing personal credit reports and related services.
Why did personal credit report go wrong?
First of all, I believe that no one will deliberately make mistakes in your credit report. The reasons for the mistake may come from four aspects: first, when handling loans, credit cards and other businesses, you provided incorrect information to the bank yourself; Second, others use various illegal means to steal your name to handle loans, credit cards and other businesses; Third, when handling loans, credit cards and other businesses, the counter staff may make mistakes in your information entry due to negligence; Fourthly, due to various reasons, there are technical errors when computers process data.
What should I do if my personal credit report is wrong?
You can reflect the wrong information through three channels and ask for verification and correction: first, you or the entrusted person report to the credit management department of the local branch of the People's Bank of China; The second is to report directly to the credit information center; Third, the agency of commercial banks can be entrusted to directly reflect the wrong information. If there is any dispute about the final processing result, you can apply to the Credit Information Center to add a personal statement to your credit report. If you think that the wrong information provided by the Credit Information Center has harmed your interests and cannot be satisfactorily resolved after reporting it to the Credit Information Center, you can also report it to the Credit Information Administration of the People's Bank of China, or bring a lawsuit to the court to safeguard your rights and interests through legal means.
(3) Will mistakes in your personal credit report affect your reputation for life?
There may be errors in the personal credit report, which may bring you temporary inconvenience until the errors are corrected; But once corrected, the wrong information will no longer be reflected in your credit report, so it will not affect your lifelong reputation.
What can you do to improve the quality of personal credit report? First, when handling loans, credit cards and other businesses, provide correct personal information to banks and update their own information in time. Second, always care about your credit history and check your credit report regularly. Third, if there is a problem with the credit report, report it in time and apply for correction.
Credit violation
Don't! The Credit Information Center has taken the following five measures to protect your privacy:
Authorized inquiry. No one can see your credit report without your written authorization. Of course, if you have ever borrowed money from a bank or used its credit card, the bank can check your credit report without your consent: after the loan is given to you, the bank needs to know your latest situation at any time to ensure the safety of bank funds.
Limited use. The Interim Measures for the Management of Basic Database of Personal Credit Information promulgated by the People's Bank of China (hereinafter referred to as the "Measures") clearly stipulates that commercial banks can only inquire about your credit report when handling loans, credit cards, guarantees and other businesses, or managing loans and credit cards issued.
Information security. The database that stores your credit report is very safe. Your information is transmitted from the commercial bank to the basic database of personal credit information of the credit information center through the confidential special line, and is automatically processed by the computer. This process does not require any human intervention. The whole system adopts the most advanced computer anti-virus and anti-hacker security system in China, and your information is as safe as your deposit in the bank.
Query records. The basic database of personal credit information also manages the credit personnel of commercial banks (that is, database users), who check your credit report. Every user must register, and the computer system will automatically track and record every user's inquiry about your credit report and display it in your credit report.
Punishment for violation of regulations. The "Measures" clearly stipulate that commercial banks that query personal credit reports in violation of regulations or use the query results for other purposes outside the prescribed scope will be ordered to make corrections and impose a fine of 1 10,000 yuan to 30,000 yuan; Anyone suspected of committing a crime will be handed over to judicial organs for handling according to law.
Friendly reminder: you are the best protector of your privacy. First of all, I would like to remind you to pay attention to the authorization inquiry clause or other written authorization documents in the application form when filling in the credit business application form. Secondly, remind you to check your credit report regularly and judge whether there is any suspicious situation according to the query records in the credit report. If you find any inquiry without your authorization, please report it to the Credit Information Center in time.
Credit income
(1) What benefits will a good credit record bring to individuals?
The biggest advantage of a good credit record is to accumulate credit wealth for individuals. Generally speaking, in order to ensure the recovery of the loan, the bank may give you a loan after you provide enough collateral. If you have a good credit record, you may convince the bank that you will repay the loan on time, even if you can't provide material mortgage, the bank will lend you money. Therefore, a good credit record is like "credit collateral" to help you get a bank loan.
In addition, a good credit record can give you preferential financial services, and banks will have certain flexibility and concessions in terms of loan scale, term and interest rate.
(2) How to have a good personal credit record?
If possible, please establish your credit record as soon as possible. The simple way is to have a loan relationship with a bank, such as applying for a credit card or a bank loan. What needs to be clarified here is that not borrowing money from banks is not equal to credit. Because there is no historical credit record, the bank has lost a convenient way to judge your credit status.
If you owe money, please pay it as soon as possible. You need to establish your own repayment plan, make timely repayment and credit card overdraft, and pay various fees on time. Otherwise, the overdue repayment will be truthfully reflected in your credit report, which will adversely affect your credit activities. If you have established a credit file, please pay attention to your credit record. For some inevitable reasons, the information in the credit report may be wrong. Once the personal credit record is found to be wrong, you should contact the institution that provides the credit report as soon as possible and correct the wrong information in time to avoid being adversely affected.
Basic database
The basic database of personal credit information is a personal credit information sharing platform established by commercial banks organized by the People's Bank of China, and its daily operation and management is undertaken by the Credit Information Center. It is like a "credit information warehouse", which collects, saves and sorts out personal credit information, provides credit report inquiry service for commercial banks and individuals, and provides statistical information service for monetary policy and financial supervision.
Friendly reminder: the basic database of personal credit information has been networked nationwide. As long as you have a loan relationship with a bank, you can find your personal credit report anywhere in China and at any credit outlet of a commercial bank.
Do I need to apply for a personal credit record?
No need. As long as you go to the bank to handle credit business such as loans, credit cards and guarantees, your information will be automatically submitted to the basic database of personal credit information through the bank.
Friendly reminder: don't believe the illegal propaganda of other institutions in society, and beware of being deceived.
China people's bank Zheng Xin management bureau
The Credit Bureau of the People's Bank of China is an internal functional department of the People's Bank of China. It was established in June 2003 +065438+2003 10, and is responsible for the management of the credit industry.
8. Common Misunderstanding (1) The basic database of personal credit information of the People's Bank of China is a "blacklist"
No! There is no blacklist in the basic database of personal credit information. It just records your original credit information truthfully and generates your credit report without any subjective judgment. The basic database of personal credit information is a faithful "notebook" of your credit status, and it won't write any good or bad comments. Therefore, you don't have to worry about being included in the "blacklist" that doesn't exist because of carelessness.
credit stain
Breaking promises may have some influence on your credit activities for a period of time. But at the same time, you should believe that commercial banks will make rational judgments based on all aspects. The so-called "credit stain" will never accompany a person's life. In foreign countries, negative records are generally kept for 7 years, and bankruptcy records are generally kept for 10 years. China will also introduce relevant laws and regulations. So, don't be discouraged, you can start over!