Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Let me take Alipay as an example to share the method of inquiring personal credit information ~ ~

The specific operation method is as follows:

1. Open Alipay and click "Sesame Credit".

2. In the interface of Sesame Credit, click "Credit Management" in the lower right corner.

3. In the credit management interface, select "People's Bank Credit Report".

4. After viewing the same credit report, click "Add My Credit Report of China People's Bank" to view it.

Personal credit overdue will be eliminated for a long time.

The Regulations on the Administration of Credit Information Industry issued on 20 13 stipulates that bad records such as overdue credit cards will be cleared automatically after five years. It is difficult for banks themselves to judge whether the parties are maliciously overdue according to one-sided statements, so it is difficult to issue non-malicious overdue certificates. Nowadays, many people on the Internet claim that they can help eliminate bad records as long as they give money. Don't be fooled by such advertisements, because at present, no one can delete citizens' bad personal credit records except the head office of the People's Bank of China.

And if it is overdue, but in a hurry to get a loan, you can also try to consult several banks, because the credit scoring standards of each bank are different at present, and the criteria for judging whether a customer is a "bad credit customer" are different. Some banks may be more flexible, such as paying more attention to the credit situation in the last two years, and may be more "relaxed" about the bad records two years ago.