As an "economic identity card" in the Internet age, personal credit information has an irreplaceable position, and many bank financial businesses need to provide credit information records to handle it. In addition to official website, there are many apps in the central bank, Android or Apple mobile phone application market, claiming to be able to check credit records. So is it safe for such a third party to check the credit records? Is it reliable?

Some third-party applications claim to "directly access the central bank's credit information system". As long as you download the software on your mobile phone and authorize your personal identity information, you can quickly check your credit information, which seems to be simpler and faster than that of the central bank.

It is relatively complicated to check credit information in the central bank. For example, submit an application after verification, receive an identity verification code in a few days, and then log in with the identity verification code to view the electronic credit report.

Therefore, it usually takes several days to check the credit information, and these third parties all claim that they can report it immediately. Is it true?/You don't say.

I downloaded a credit information software. When using these apps, I have to register with my mobile phone and verification code, and then I have to authenticate myself. In the process of authentication, users need to input personal information such as ID card and name. At the same time, I have to answer some questions and even be asked to enter information such as bank cards. At the same time, the mobile phone also needs to authorize various permissions, such as location, phone number, access to the camera, and even reading short messages and communication records.

After these operations, you can really find the credit report. This information is the same as that found in official website, but all your personal privacy has been obtained by these third-party intermediaries, which has a great influence. These apps only play the role of intermediary.

There is a saying in the Credit Information Center of China People's Bank, "

Safety tip: Credit Information Center has not authorized any third-party application to provide personal credit report inquiry service.

"

It can be seen that this kind of third-party credit inquiry has great security risks, and personal identity information is easy to leak. It is suggested that it is safer to inquire directly in official website.