Can I check other people’s credit information at will?

Checking other people's credit records needs to be based on the following circumstances, as follows:

1. With the authorization of others, you can apply to check other people's credit records. The inquirer can inquire other people's credit records by providing the original valid ID cards of the principal and the agent, the notarized certificate of authorization and the "Personal Credit Report Inquiry Application Form";

2. If authorization is not obtained from others, Individuals cannot check other people's credit reports. while in daily life. If you authorize other institutions to check personal credit reports, the authorized institutions can check personal reports at will. Please be careful when authorizing credit report inquiries to avoid disclosing personal information.

Credit reports focus on personal credit information and are private. Others or other financial institutions or banks have no right to inquire without the consent or authorization of the person. Generally, it is necessary to inquire about other people's credit reports. My consent or authorization. When an individual applies for a credit card or online loan, the financial institution will ask the applicant to sign a credit reporting authorization letter. Only the signed authorization letter has legal effect, and the financial institution can check the applicant's credit score. Otherwise, it cannot be checked. Can I check someone else’s credit report?

You can check other people's credit reports, but only if they issue a power of attorney entrusting others to check their credit reports, and you need to bring the documents of both parties. If customers have needs in this regard, they can prepare query information in accordance with relevant regulations.

There are many ways for individuals to check their credit reports. For example, they can check online at the Credit Reference Center of the People's Bank of China, or they can check on-site at the People's Bank of China or a commercial bank authorized by it. If you want to print your credit report Reports can be printed free of charge by individuals twice a year. How to check someone else’s credit report

Can I check someone else’s credit report if I have an ID number?

To check the credit report, you need to use the ID card number, but it does not mean that you can check the credit report if you know the ID card number. After all, credit information can only be checked by the person himself or herself, and with the authorization of the person, it would be an invasion of other people's privacy and the law will not allow it. After being authorized, the information provided will be different depending on the inquiry channel.

Like the online version of credit reporting, you must know the personal information of the credit reporter, including ID card, bank card, real-name and card-binding mobile phone number, and obtain an SMS verification code; in the on-site version of credit reporting, ID card The original document is indispensable, and the enquirer's personal ID card, authorization letter, etc. are also required.

How to check someone else’s credit report?

First of all, do not make inquiries on any other third-party applications. The Credit Reference Center does not authorize other institutions to provide credit inquiries. For inquiries by someone other than yourself, remember to obtain authorization from the credit bureau, and then bring the original and photocopy of the identity card of the person and the person being entrusted, as well as the power of attorney issued by the notary office, to the local branch of the People's Bank of China for on-site inquiry.

Remember that you have to go to the counter to make inquiries. No one other than yourself can make inquiries on the machine. In addition, the inquiry time must be clear. Inquiries are only open from Monday to Friday. We are closed on weekends and holidays. Will be open for business. Can I check other people’s credit reports?

You can check other people’s credit reports if you have proof of entrustment and relevant documents. The "Regulations" stipulate that if you inquire about other people's information, you must obtain the individual's written consent and explain the purpose. Credit reporting agencies cannot provide user information in violation of regulations. Without authorization from the person, you have no right to inquire about other people's credit reports; if authorized by the person, as an agent, you can bring your own and the principal's valid certificates and copies, signed and notarized power of attorney to the credit reporting department to inquire about the principal's credit report. Credit report.

Several situations of checking credit report

1. Personal inquiry: People's Bank of China can check credit report for free twice a year. Many people still have the habit of checking whether credit report is normal from time to time. Worried about being used fraudulently, some people conduct personal inquiries in order to apply for loans;

2. Lending institution inquiries: When a borrower applies for a loan, if the credit institution has a credit reporting system, he or she can obtain Check the credit report with the borrower's authorization;

3. Post-loan management inquiry: In order to ensure that the loan can be recovered on time, lending institutions usually first check the borrower's credit report to complete the important steps of post-loan management. ;

4. Credit card application inquiry: You will be subject to a credit check when applying for a credit card;

5. Guarantee qualification review: To become a guarantor, the lending institution will review the guarantor’s qualifications. Check the credit report of the guarantor;

6. Objection inquiry: a credit review if you think there are errors or omissions in the credit report;

7. Courts and relevant departments Inquiry: When handling a case, the court may inquire about personal credit information in order to verify certain circumstances.