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    有關信用記錄的問題解答
    字體大小: 發布時間:2014-06-12 保護視力色:

     

     

    一、什么是信用記錄?

    信用記錄全面、真實記錄您在銀行借債還錢、遵守合同和遵紀守法情況,既有您按時還錢的記錄,也有您不按時還錢或者借錢不還的記錄。目前個人信用記錄主要儲存在人民銀行征信系統中,并以信用報告的形式向本人提供查詢。

    二、個人為什么要查詢本人信用報告?

    目前,個人信用報告廣泛應用在商業銀行貸款、信用卡審批和貸后管理中,還用于任職資格審查、員工錄用等許多活動中。信用報告能夠節省銀行審貸時間,幫您快速獲得貸款。如果您的信用良好,銀行還可能會在貸款金額、利率上給予優惠。但如果您有逾期記錄,銀行在放貸時會更加慎重,不利于您獲得貸款或增加您的貸款成本。所以,大家應該做到自己的事自己知,應該主動了解自己的信用報告,對其中可能錯誤的信息要及時向征信中心或業務發生銀行提出申請糾正,避免給您帶來不利影響。

    三、到哪里查?

    ▲現場查詢:您可以在您所在地中國人民銀行分支機構查詢。目前遍布全國的2100多個人民銀行分支機構都可以為您提供查詢服務。

    ▲互聯網查詢:您可以通過互聯網提交查詢申請,并在第二天獲得信用報告。查詢網址為https://ipcrs.pbccrc.org.cn。截至2014年5月底,互聯網查詢已經在江蘇、四川、重慶、北京、山東、遼寧、湖南、廣西、廣東、浙江、天津、新疆、上海、湖北、青海、河北、安徽、內蒙18省(市、自治區)進行試點,凡持有試點省(市、自治區)身份證的個人,均可上網查詢本人信用報告。其他省(市、自治區)在2014年也將實現網上查詢。

    四、怎么查?

    ▲現場查詢時,您需要攜帶本人有效身份證件原件及1份復印件,在查詢網點填寫《個人信用報告本人查詢申請表》后提交查詢申請。

    ▲網上查詢時,您需要首先進行用戶注冊,在線進行身份驗證,提交查詢申請。身份驗證有私密性問題驗證及數字證書驗證兩種方式。如果您通過了身份驗證,一般會在第二天獲得短信通知,可登陸網站進行用戶激活,查看信用報告。

    五、何時查?

    您在向金融機構申請貸款或信用卡之前,有必要查一下信用報告,這樣可以做到對自己的信用狀況心中有數,發現問題,及時糾正。

    六、我不打算申請貸款和信用卡還要查信用報告嗎?

    建議您一年內至少查1次信用報告,在了解您自身信用狀況的同時,檢查是否存在別人冒用或盜用您的身份獲取貸款、信用卡的情況,是否有錯誤信息,是否有未經您的授權違規查詢的情況等。

    七、個人在申請貸款、信用卡時,需要向銀行提供本人信用報告嗎?

    不需要。商業銀行等提供貸款的機構應該自己查詢征信系統,商業銀行是征信系統的用戶,征信系統連接了全國所有商業銀行,信息服務網絡覆蓋全國所有商業銀行的信貸營業網點。

    八、誰能查詢我的信用報告?

    您讓誰查誰就能查。也就是說,經過您的書面授權同意并約定了查詢用途后,被授權的機構或其他人就能查。查詢最多的是商業銀行等放貸機構,其他還可能是與您發生經濟交易的生意伙伴、用人單位等。

    九、如何維護良好的信用記錄?

    呵護信用要靠您自己。日常生活中,主動與銀行保持暢通的聯系渠道,注意更新手機號碼,準確提供自己的基本信息。量入為出,按時還款、避免出現逾期。如果已有逾期記錄,應盡快還款,積極采取措施避免再次發生;如果逾期信息有誤,應盡快提出申請,及時糾正。愛護自己的身份信息,不要將身份證借給別人,不要隨意把身份信息提供給別人。一旦發現自己的身份證被盜用,盡快向公安機關報案,維護自己的合法權益。

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