Personal credit report certificates need to be issued in person at the local branch of the People's Bank of China, and you must bring your ID card.

If you encounter special circumstances, you can also entrust the person to bring the ID card of the person who issued the credit report, the original and copy of the ID card of the person who issued the credit report certificate, and the personal signature of the person who issued the credit report report. A power of attorney can be issued at the local branch of the People's Bank of China.

Among them, a copy of the ID card and a power of attorney must be left with the branch of the People's Bank of China for reference. The client fills out the "Personal Credit Report Inquiry Application Form". Submit a copy of the original ID card, power of attorney, and application form to the staff of the People's Bank of China. After ascertaining the information, the personal credit report certificate is printed and delivered to the client, and the certificate is issued.

1. Personal credit report (also called personal credit report) records personal debt repayment, contract performance, compliance with laws and other information, and is an objective record of personal credit history.

For individuals, credit reports are mainly used for bank loan and credit card approval. For society as a whole, credit reports are instrumental in preventing and resolving financial risks, maintaining financial stability, improving the quality and efficiency of loan review, and promoting the development of the credit market. It is of great significance to finance small and micro enterprises and optimize the business environment.

2. Report information

Information categories

The information recorded in the personal credit report is as follows. Categories:

1. Basic personal information, including name, ID type and number, mailing address_contact information, marital status_residence information_occupation information, etc._

2. It is credit transaction information, including credit card information, loan information, and other credit information_

3. It is other information, including inquiry records, etc.

It should be pointed out that personal credit reports are only. The record of personal credit transaction information is a record of objective facts.

3. Source of information

According to relevant tips issued by the Credit Information Center of the People's Bank of China, the information in the credit report. It mainly comes from lending institutions, public utilities, courts and government departments, etc. Bad information mainly refers to default information, tax arrears information, court and administrative penalty information, while information that residents have loans or credit cards and have normal repayments belongs to credit reports. positive information in.