I have never borrowed money. How about the credit report?
It should be discussed in various situations, one is that there is no credit card, the other is that there is neither loan nor credit card, and the other is to guarantee others.
1. Credit card without loan: there will be credit card records in the credit record, which can be used to find out the number of credit cards issued, the number of credit cards issued by each bank, the total credit line of each card, the available line, the monthly repayment amount, the average half-year line usage, overdue records, etc. In addition, the inquiry record also includes the reason and time when the credit card application was checked by the bank.
2. No loans and credit cards: loan records and credit card records will be blank in the credit record. If the query record has been unsuccessful, whether it is a loan or a credit card, as long as the credit is checked, it will be recorded. If these two records are not available, everyone's basic information will still be displayed, such as company information, address, telephone number, spouse information and so on.
3. Guarantee for others: I have never applied for loans or credit cards, but I have provided guarantees for others, such as loan guarantees or credit card guarantees. Credit information will display guarantee record information, inquiry record will display guarantee qualification audit record, and others are personal basic information. If it is joint and several liability, the loan or credit card records of the other party will also be displayed in the corresponding records of the guarantor.
The above is the relevant introduction of "How about non-loan credit reporting". In short, not borrowing money does not mean that the credit information will be blank. After all, credit information records are not limited to credit records, such as public records, inquiry records and guarantee records.