Personal letters are an important indicator in the area of finance, reflecting a person ' s credit position, and the letters report contains information on bank credit cards, personal loan and guarantee information, overdue payments, etc. How, then, would you look at your letter if you did not manage it or if you had problems with the loan

How do you check your letters

I. Knowledge of personal correspondence

We need to know about some personal letters before we know how to look at them. First, individual correspondence is led by the central bank, which includes the participation of a number of institutions, including credit centres, commercial banks and other financial institutions, in the collection, processing, management and sharing of information. Personal correspondence is a valid basis for a standardized, preliminary assessment of individual creditworthiness and repayment capacity. The CRS system will systematically rate individuals based on their credit card consumption records, loan repayments, guarantee records, overdue cases, etc. The higher the score, the better the credit。

II. Query of individual letters of call through letter-taking agencies

if you want to look at your letter report, you can look at the letter caller, which is common for those who have used a credit card or applied for a loan. there are a number of free personal call-in platforms, such as ant loan, kyoto finance, etc. the personal call can be made either through the official website of the centre (www.pbccrc.org.cn) or through the website of a third-party caller。

Note: First-time queries require physical verification, registration account numbers and, in addition, individual calls provide only report queries that cannot be modified。

III. Queries through banking channels

If you have applied for a bank credit card or a loan, a letter call may also be made through the bank to which the application is made, which is done by the staff of the bank. At the same time, some banks provide access to individual letters on their official websites, for example, in the case of commercial banks。

IV. Query of individual letters of call through the courts

In the course of financial transactions, such as loans, there may also be cases of fraud, lateness, disposition of collateral, etc., which may be placed by the court on the list. This can be done by calling the 95518 hotline or by accessing the National Court's List of Missing Persons。

These are some of the ways to check personal letters。