# 征信-个人征信查询小额借款信用 — 征信快速查征信报告

> Personal credit report checker and risk assessment tool. (iPhone/iPad app by Hangzhou Youxin Data Information Service Co., Ltd..)

- Source: https://appshunter.io/ios/app/id1395792830 (this page in markdown: same URL + `.md`)
- Developer: [Hangzhou Youxin Data Information Service Co., Ltd.](https://appshunter.io/developer/1458581754)
- Category: Lifestyle
- Price: Free with in-app purchases (on sale, was $3.99)
- Age rating: 4+
- Requires: iOS 11.0 · 39 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2018-07-28
- Data updated: 2026-09-06
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/id1395792830/reviews.md

## What is 征信?

【应用场景】
查询自己的信用报告，维护良好信用。
核验个人的风险信息，保障信用安全。
管理查询的异常记录，修正错漏讯息。
了解实用的征信知识，享受信用生活。

【服务优势】
--信息完整度高--
覆盖全国多数互联网平台与第三方机构，可以作为央行征信的有益补充
--数据安全性强--
拥有国家信息系统安全等级保护二级备案，近银行级的信息安全保护性能
--查询专业性强--
运用信用模型分析，基于历史数据评判现状乃至将来，验证信用信息相关性和准确度
--分享时效性高--
征信知识实时更新，全面提示信用意识，及时防止信用信息滥用


【联系我们】
官方网站：https://www.youxincredit.com
官方微信：微信公众号搜索“有信征查员”
联系邮箱：credit@digast.com

【特别关注】
本工具非央行征信工具。主要提供信用风险检测，助您了解自身信用情况，规避信用风险，享受信用人生。

【自动续费会员套餐说明】
-- 会员权益：开通会员获得报告免费查询次数，并额外赠送信苗。信苗为虚拟代币，可用于购买app内知识内容。
-- 订阅周期：一个月（连续包月），三个月（连续包季），12个月（连续包年）。
-- 订阅价格：以IAP申请的价格为准，例如连续包月每月50元。
-- 付款：用户确认购买并付款后记入iTunes账户。
-- 取消续订：如需取消续订，请在当前订阅周期到期前24小时以前，手动在iTunes/Apple ID设置管理中关闭自动续订功能。
-- 续订：苹果iTunes账户会在到期前24小时内扣费，扣费成功后订阅周期顺延一个订阅周期。
-- 隐私政策：https://static.170909.com/share/protocol/general_privacy_agreement.html?appName=caizsxygj&deviceType=
-- 用户协议：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ （Apple 标准许可协议）

## Key features

- Personal credit report checking
- Risk information verification
- Abnormal record management
- Credit knowledge learning
- High information completeness
- Bank-level information security

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 会员超值订阅 | $7.49 | per month |
| 会员超值订阅 | $42.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 信用检测 | $3.99 | one-time |
| 联系人优化 | $3.99 | one-time |
| 深度风险报告 | $5.99 | one-time |
| 深度风险报告 | $2.99 | one-time |
| 身份真伪验证 | $0.99 | one-time |
| 手机号在线时长核验 | $0.99 | one-time |
| 个人司法、失信检测报告 | $3.99 | one-time |
| 个人司法及申请风险深度检测 | $3.99 | one-time |
| 深度风险报告 | $3.99 | one-time |
| 不良记录查询 | $2.99 | one-time |


## Recent user reviews (10 of 21)

All indexed reviews: https://appshunter.io/ios/app/id1395792830/reviews.md

### 1/5 — 太差了，信用报告是假的，不能用

*2025-12-16*

和正规个人征信报告完全不一样

### 1/5 — 稀烂

*2025-06-02*

查征信报告，30块一次，结果没出来花60块，还不知道后面会不会继续跳弹窗继续收30，真想爆粗口

### 5/5 — 不错不错

*2025-05-30*

功能很全，用起来很方便，推荐给很多朋友了

### 5/5 — 推荐

*2025-05-30*

很不错的软件，查询的很方便，非常实用！

### 5/5 — 挺好用的

*2025-05-29*

这个查征信软件挺好的，使用起来简单方便，软件包体也很小，推荐下载

### 5/5 — 方便

*2025-05-29*

很方便的一款软件 想查就可以随时查询 身边的朋友都在使用！

### 1/5 — 垃圾软件坑钱

*2025-04-18*

垃圾软件，我花三十块钱下载这个软件就是因为要查征信，下载完后查征信又花钱那我那三十块钱呢？白花钱下载软件不说还啥也查不出来

### 1/5 — 查出的结果真实吗？

*2025-03-02*

不知道结果真假

### 1/5 — 坑

*2025-02-28*

查征信还要钱

### 1/5 — 查了个寂寞

*2024-12-28*

关键信息什么都不给，诈骗软件

## Frequently asked questions about 征信

### What is 征信 used for?

征信 is used to check your personal credit report, verify risk information, manage query records, and learn about credit knowledge. It helps you understand your credit situation and avoid risks.

### Is 征信 a tool from the central bank?

No, this tool is not a central bank credit tool. It primarily provides credit risk detection to help you understand your own credit situation and avoid credit risks.

### How does 征信 ensure data security?

征信 has obtained the second-level filing for national information system security protection and offers bank-level information security protection performance to safeguard your data.

### What are the subscription plans for 征信?

征信 offers monthly, quarterly, and annual subscription plans. For example, a monthly subscription costs approximately 50 yuan, and there are also annual plans available for $42.99.

### How can I cancel my subscription to 征信?

To cancel your subscription, you need to manually turn off auto-renewal in your iTunes/Apple ID settings at least 24 hours before your current subscription period ends.

### What benefits do I get as a member of 征信?

As a member, you receive free credit report query times and bonus 'Xin Miao' virtual tokens. These tokens can be used to purchase knowledge content within the app.

### What devices does 征信 support?

征信 is available on iPhones and iPods, and it is rated for ages 4 and up.

### How often is 征信 updated?

The app was last updated on January 3, 2025, with version 2.0.2, indicating regular updates to improve its features and knowledge base.

## Version history (last 5 releases)

### 2.0.2 — 2025-01-03

新增不良记录查询功能

### 2.0.1 — 2024-11-22

优化了会员订阅页文案，更清晰
优化了网络错误提示形式
提高了征信查询效率

### 2.0.0 — 2024-05-24

优化了报告获取速度，更高效

### 1.8.8 — 2023-12-19

优化已知问题，提升用户体验

### 1.8.7 — 2023-08-08

优化用户体验，提高查询效率

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*