You want to know if you have a black account mainly by looking at your credit history. Usually, you will not be labeled as a black account in your credit history. Black accounts usually refer to people who are seriously overdue. For those who are overdue, it is not a black account. If you apply for loans and credit cards and are rejected once, it is enough to prove that you are a black account.

A black household refers to a person who has no household registration information, household registration card (resident registration card) and ID card in the national census.

The total population of "black households" is about 654.38+0.3 million, accounting for 654.38+0% of the total population, which has become a major issue affecting social fairness and harmony.

2015165438+10.21Guo Shengkun, Minister of Public Security, presided over the meeting of the Party Committee of the Ministry of Public Security and the 17th (expanded) meeting of the leading group for comprehensive deepening reform of the Ministry. The two major themes of the conference are: anti-terrorism work and solving the household registration problem of the population without household registration in China.

20 16 1 14, the general office of the State Council issued the Opinions on Solving the Registration Problem of Persons without Household Registration [Guo Ban Fa [2015] No.96]. According to the Opinions, eight types of "black households" such as Super Life can apply for permanent residence.

Second, the broad sense of "black households" includes:

First, people who live in this world but are not recognized by the state. For example, children who are too young to register their accounts, and people who have lost their accounts for various reasons.

2. People who have lived and worked in non-registered cities for a long time (for example, more than two years) (subconsciously think that urban people are not counted in rural areas). Of course, those who stay temporarily, such as studying, seeing a doctor, playing, visiting relatives and friends, are not included.

Third, people who have been studying and working in a certain industry for a long time, but the facts are not recognized, are also considered as a series of "black households". For example, children who have no student status at school; Temporary workers who have worked in the factory for many years but are not in the establishment; "Substitute teachers", "private teachers" and "kindergarten teachers" are like mothers who have been teaching on the podium for decades without being recognized by the education department.

Third, the sixth national census shows that about130,000 people in China have no hukou, which is also commonly known as "black households". A survey by Wan Haiyuan, an associate researcher at the Macroeconomic Research Institute of the National Development and Reform Commission, shows that more than 60% of these "black households" are super-born, and others include those who have no hukou due to various reasons such as abandoned babies and unmarried births. Because there is no hukou, most people have no social security and have lost their normal work, life and education opportunities.