On the personal credit report, N means normal repayment; C means settled, the borrower's loan has been fully paid off, and the loan balance is 0. In addition to the above logos, there are other identifiers, such as Z to offset the debt; / indicates that the account has not been opened; D is repaid by the guarantor; # indicates that the repayment status is unknown; * indicates that there is no repayment history this month, etc.

The information on personal credit mainly includes basic personal information, credit transaction information, number of inquiries, etc. This information is shared by financial institutions only. As long as there is a record of default in one, other financial institutions will be inquiring. You can see it when checking your credit report, which is why you need to make sure your credit report is good.

Users can check personal credit information through different channels in normal times, such as commercial banks, official credit information websites, branches of the People's Bank of China in various places, etc. It should be noted that individuals should not check credit information casually in normal times. , because every inquiry will be recorded on the credit report.

In normal times, you must ensure that your personal credit report is good. If your personal credit report is bad, your loan application will be rejected. When your credit report is bad, you must deal with it promptly. After all, it will continue to be saved for 5 years after the treatment is completed. After 5 years, it will automatically disappear. If it is not dealt with, it will always be recorded on the credit report.