How do i get a personal letter? Guidelines for personal access to information, procedures, fees, shelter
I. What is a personal letter report? Why did you ask for letters
Sample diagram of individual letter reports
A large number of people are required to submit individual letters of credit for mortgages, car loans, credit cards, consumer loans, and even for admission to work and renting housing. However, many ordinary people do not know what the letter of call is or when they should take the initiative。
Personal correspondence reports, issued by the people's bank of china in its letter centre, record credit files that record our personal credit information, contain basic personal information, credit records, search records, public information, protest records, etc., and are the central basis for financial institutions to judge our credit status。
Active checking of letters of request, mainly for credit prior to loan processing, checking for uninformed loans or credit cards (preventing fraudulent identity loans), checking for errors in overdue records, and understanding of their liabilities。
An important point of knowledge here is that searching letters will not in themselves directly affect the quality of the letters, but the excessive number of inquiries by institutions such as “loan approvals, credit card approvals” can affect the approval of bank loans. Personal enquiries are “personal enquiries”, which have little negative impact on the approval of loans. In conjunction with the latest policy of 2026, the present paper is a step-by-step approach to formal search channels, operating procedures, fee rates, letter reading, protest complaints and online letter search scams, allowing safe and consistent access to letters of call。
Ii. Two main channels of formal inquiry for personal correspondence: online and offline
Comparison of online and sub-inquiries
The only institution in the country that has legally issued a personal letter report is the people's bank of china trust centre, which authorizes all formal inquiries, except for any third party whose app or website number can be traced, which is informal and extremely risky。
There are currently two official types of short and detailed online letters, which differ in content and use:
Online internet access: individual credit information summaries (simple letters) are obtained, suitable for daily self-checking, streamlined information, with no detailed credit repayment details
In-line self-help/trending: detailed paper reports are available, with the most complete content, mortgages, car loans, bank loans, bank loans, and treasury loans, and banks generally accept detailed letters only。
Many users are simply unable to distinguish between short and detailed versions, and it is not until the bank finds out that they are unacknowledged when the online search is complete。
Iii. Detailed operational steps for online search of personal call letters (concrete version)
Commando network search operational screenshot
Online queries are free of charge, are operational at all times and are recommended for daily self-checking, with only one access point: china people's bank's trust centre network, which does not require text messages or advertising links。
First step: to open the network of officials of the china people's bank's information centre, find the portal of the internet personal credit information service and click on it
Step 2: new user registration, name, id number, mobile phone number, completion of identification. Identification supports bank card certification, digital certificate certification and problem certification, one of three options
Step 3: submission of a request for queries, the system sends an identification code to a reserved cell phone, valid for 7 days
Step 4: upon receipt of the authentication code, re-enter the platform and enter the authentication code, allowing online viewing and downloading of the PDF version of the brief inquisition report。
Note that online applications are not reported in real time and generally take about 24 hours to produce the results and are not immediately available; PDF documents carry their own watermarks and some banks do not accept the online version as approval material。
In addition to the official network, some of the banks ' mobile phone banks, app, also have access to the official inquiries portal of the centre, which is also a short version of the letter, operating with the same logic and free of charge。
Iv. Query of personal calls (detailed versions) at offline points
Letter self-help search machine
If a loan is to be processed, a loan is to be made, or if a detailed overdue repayment record is to be checked, a detailed letter of request must be made online. There are two ways of doing this: a self-help query machine and a people's bank counter。
1. Self-help search machines (most commonly used): in all the country's major cities, there are letter-based self-help search terminals, and many commercial banking outlets and government service centres have access to the original personal identity card, full face recognition, and a detailed paper report can be printed in dozens of seconds。
2. The pedestrian counter: persons who are fit for a self-help machine, whose identification has failed and whose application for challenge has also been rejected, also carry the original identity card and complete the application form on site。
Important rule: it must be done in person, not in person. If you want someone else to print your letter, the usual channels are not supported; except for special judicial scenes。
Query points can be found: a network of call centres, a public number of call centres, and a nearby self-help search point, including an address, business hours and avoiding running empty。
V. Fees for individual letters and enquiries, rules on the number of free visits
Description of the standard fee for inquisitorial queries
Based on the current fee policy of the centre, the rules are clear:
Each natural person is free of charge for the first two inquiries per year (online + below line combined); starting with the third, the fee is $10 per query。
This year, for example, two on-line and off-board calls were printed and a third was printed for $10; online queries were also counted。
Additional note:
1. A simple online search, a detailed print-off, which is free of charge twice a year and is not calculated separately
(b) charges are only available on their own initiative, and bank and institutional loan approval inquiries do not require personal fees
3. Fees only support self-service machine sweeps or counter fees and no additional service charges。
Many of the intermediaries said that “urgent letters of request and unlimited payment of enquiries” were false propaganda and that the rules of the scale were centrally controlled by the central bank's letter-in-chief and could not be changed。
Vi. Elements for principal response in the report
Letter report block dismantling map
When we got the letter report, a lot of people couldn't read the secret text, we split four core plates:
First, basic personal information: name, identity card, mobile phone number, address of residence, workplace, where there is a lack of consistency between the workplace, address and actual situation, indicating that the information is being updated behind schedule and can be updated further
Second, credit records (most important): credit cards, types of loans, including account status, amounts, repayment records, overdue records. (a) overdue meetings are marked as overdue days, with the greatest impact on successive delays
Third, the search record: it is divided into [personal inquiries] [credit card approvals] [guarantee eligibility reviews]. Personal enquiries do not affect the loan; many of the loan approvals and credit card approval records are short-term, often referred to as “search flowers”
Fourth, public information: includes tax defaults, civil sentences, administrative penalties, public fund records, which have a significant impact on credit。
Minor reminder: the late recording will be retained for five years after the settlement of the arrears and automatically eliminated after five years; the outstanding overdue will remain on the call。
Vii. What if there is a miscommunication? Process for letters of appeal
Flowchart for letters of protest
The letters of request were found to contain incorrect information, such as loans that were not made by themselves, late registration errors, fraudulent use of identity, and no panic, so that applications could be challenged。
1. Submission of an application for an objection with the original identity card, a letter-writing report, to a branch of the people's bank or to a financial institution reporting the incorrect information
2. The processing body completes the verification and response within 20 working days of receipt of the challenge
3. Verification of information error will result in a correction of this record and a reply to the objection。
If an identity is fraudulently used for a loan, in addition to a protest application, a parallel alarm can be filed and a report can be filed back as supporting material。
Viii. Relevant funs for quipment and ground finding guide
Letter fraud alert koputu
There are a lot of frauds related to online correspondence, which is a high-frequency pedal site
1. Any unofficial app, small program, text message link, or one key search letter, quick call letter, is essentially the collection of your identity card, bank card information, theft of personal information or even fraud
2. “leave the letter white, belated, fix the letter” is all a trick! Negative records of letters cannot be eliminated for human consumption, and only errors in the registration of information can challenge corrections
3. Letters of solicitation by the intermediary, letters of request for payment, violations and risks of identity disclosure
4. To refrain from sending random photographs of correspondence reports to strangers, which contain identification numbers, bank cards, debt information and are vulnerable to exploitation by outlaws
5. Do not apply frequently for credit cards, internet loans, and each application is accompanied by a new “credit approval/credit card approval” search record to check the letters。
Ix. Appropriate frequency for searching letters of inquiry and when appropriate for tracing
Reference to time planning for self-checking letters
Letters of call are not checked daily. Frequent inquiries are meaningless and self-censorship is reasonable:
A detailed letter of request is checked in advance, problems are detected in advance and time is set aside for processing
2. One self-check per year is sufficient, free of charge is used to screen for abnormally fraudulent loans
3. Prior to the replacement of large credits, preparation of car loans and self-checking
4. A call was received from a stranger, suspected of being fraudulently identified and immediately sought out a letter of call。
Not recommended: no loan plans, repeated inquiries over the month, waste of free time without real value。
X. Comprehensive summary
A mind map of the core points of letters queries
Taken together, the only source of access to personal correspondence is a simple search on the central bank's letter centre network, a detailed print run by the bank and the authorized commercial bank self-help terminal line. Online, it is appropriate for daily self-checking, and on-line hard copy is the approved version of bank loans。
The fee rule is free of charge for the first two times of the year, and for the third time at a rate of $10 each, which is shared on line and below. Access to letters of credit reports, focusing on credit repayment records, overdue cases, institutional search records. Once an error in the registration of incoming information has been detected, an application for correction can be submitted for challenge。
At the same time, it is important to bear in mind that there are no channels for paying white letters, for quick inquiries by third parties, and that all letters of request for repair and internal urgent requests are frauds. Protection of original correspondence reports, intercepts, and non-transmissions to strangers to avoid disclosure of identity information。
Letters are personal credit cards that are important for individuals, are self-checked on a reasonable and regular basis, maintain good repayment habits, control the frequency of credit requests in order to maintain personal credit and pass through the process of processing mortgages, car loans and credit cards。
