First of all, bank loans are the earliest information collected by the credit information system, including credit card information. Therefore, personal loans in banks (including credit cooperatives, etc. ) will definitely be recorded in the credit information system. At present, loans from some small loan companies have entered the credit information system, while consumer loan companies such as Gitzo have not yet accessed the credit information system. At present, private lending is not recorded in personal credit information.

At present, the credit information system has gradually incorporated personal payment and tax information. For example, an individual's unpaid utilities may also affect the credit record. In the future, the information in the credit information system will be further improved.