How to check credit score in China?

How to Check Your Credit Score in China

Maintaining a good credit score is crucial for various financial endeavors, including securing loans, mortgages, and credit cards. In China, accessing your credit score is a relatively straightforward process. Here are the different methods available:

1. Visiting a People’s Bank of China (PBOC) Branch

• In-person Visit: Visit a local branch of the PBOC and present your valid identification card (such as a passport or Chinese ID card).
• Documentation: Bring along any supporting documents that may be required, such as proof of residence or income.
• Fee: There may be a small service fee for obtaining your credit report.

2. Using the PBOC Online Platform

• Sign-up: Register on the PBOC’s official website (https://www.pbccrc.org.cn/).
• Identity Verification: Verify your identity using your Chinese mobile phone number or other government-issued ID.
• Credit Inquiry: Select the “Personal Credit Report” option from the menu.

3. Credit Reference Centers (CRCs)

• Website: Access the website of the Credit Reference Centers (https://www.crc9.com/).
• Registration: Create an account using your Chinese mobile phone number.
• Personal Credit Inquiry: Navigate to the “Personal Credit Inquiry” section and follow the instructions to obtain your credit report.

Important Notes:

• Frequency: Individuals are typically allowed to access their credit report two to four times per year.
• Accuracy: Ensure that the information on your credit report is accurate and up-to-date. If you find any discrepancies, contact the relevant agency to dispute them.
• Fees: The PBOC may charge a fee for obtaining your credit report, while CRCs typically offer free access.

By following these methods, Chinese citizens and residents can easily check their credit scores and monitor their financial health. Maintaining a good credit score is essential for a variety of financial benefits, so it is important to track your score regularly and take steps to improve it if necessary.