Simply put, this means that there is no credit record. No matter what the situation, as long as the credit is 0, on the one hand, it means that there is no business, on the other hand, it means that the business has been settled. As a user, there is no need to worry too much, as long as there is no overdue or other abnormal situation.

What caused the credit rating to be 0?

1, credit checking account

For users who have never done business with financial institutions, the credit report is basically zero, with only basic personal information, which is also commonly known as white households. Although there is no negative impact, for some loan institutions with strict audit, credit lines may not be granted, because it is impossible to judge your repayment integrity from the credit report.

2. The loan balance is 0.

This means that the loan business has been settled, which means that the loan has been fully paid off and the borrower has no arrears, so the balance will be displayed as 0. If it is overdue before, the overdue record will disappear after 5 years.

3. The risk quantity is 0.

It means that the credit report is healthy and there is no bad or default behavior. After comprehensive evaluation, the borrower has no malicious overdue, arrears, high debts, economic disputes, breach of contract, guarantees, etc. A risk value of 0 is a good performance.