The invention provides a scoring method of the personal credit. The method comprises steps of acquiring user identity information, wherein the user identity information comprises user biological information and user certificate information; verifying the user identity information; after the user identity information passes the verification, acquiring user credit information, wherein the user credit information at least comprises user residing information, user financial information and user credit checking information; carrying out verification and structuring processing on the user credit information so as to generate to-be-estimated standard data; and by taking the to-be-estimated standard data as input data, based on a preset personal credit scoring model, calculating user credit scores. According to the invention, acquisition, processing and multi-dimensional credit scoring can be performed on user data in the place, so user credit scores can be obtained; accuracy of credit scoring is improved; and user experience is enhanced.