When it comes to credit records, your first reaction may be that there are overdue bad credit records on the credit records. If you don't need a credit card or a loan, many people think that there should be no record on your credit history. Some netizens asked me, what should I do if I don't borrow money from the credit record? Let's see what's on the credit report.
I have never taken out a loan. What if I have a credit record?
If you want to deal with all kinds of records in the credit report, you must first find out what records they are.
According to the credit reporting strategy of the credit reporting center, each person's credit reporting will have a detailed record of five types of information:
1. Basic information: including identity information, residence information, occupation information, etc.
2. Credit investigation: refers to the information of borrowing and repayment, and is also the core information in the credit investigation report.
3. Non-financial liability information: information formed by consumption before payment, such as telecom payment information and water and electricity payment information.
4. Public information: refers to social security accumulation fund information, court information, tax arrears information, administrative law enforcement information, etc.
5. Inquiry information: When and why did someone check the credit report in the last two years?
I have never made a loan or used a credit card, so I have little credit information. However, if I guarantee someone else's loan, it will also be shown on my own credit report. If I guarantee loans overdue, I must inform the borrower to repay the loan in time to avoid my credit report becoming black.
At present, some areas have failed to pay telephone bills, utilities and gas bills in time, which will also be shown in the credit report. If these records are recorded, then everyone should remember to pay the relevant fees. Remember to cancel your mobile phone number when you don't need it, and the same is true for tax arrears. Handle in time.
If the parties involved in the credit investigation have made a lot of credit inquiry records in order to inquire about the loan credit line they have obtained, it is recommended not to apply for any credit products within six months to avoid wasting credit investigation.
I haven't borrowed any money. What if I have a credit record? Don't panic when you see the credit record. Find out what it is first, and then think about countermeasures.
I haven't borrowed any money. Why is there an inquiry record on the credit report? Brief introduction!
Whether applying for a loan or a credit card, as long as the credit information is inquired during the examination and approval process, the inquiry record on the credit information report will also have an impact. For example, there are too many hard query records such as loan approval, and it is easy to obtain credit information. However, many people have not borrowed money and have inquiry records. Why? Today, let's analyze why there is a query record on the credit report without a loan.
I haven't borrowed any money. Why is there an inquiry record on the credit report?
In fact, it is also possible that there will be inquiry records without loans, which can be roughly divided into authorized inquiry and unauthorized inquiry.
1, authorized query
It means that when I handle other financial services other than loans, such as handling credit cards or taking other people's loans as guarantors, I agree with the authorization of the agency's inquiry, so there will be records of the agency's inquiry, but the reason for the inquiry is not loan approval.
There is also a special situation. People often like to click on various loan advertisements to check the amount. Although the original intention is not a loan, as long as you submit your basic personal information, clicking Query is equivalent to agreeing to an authorized institution to inquire about credit information, and there will also be an inquiry record of loan approval.
It doesn't matter what kind of situation. As long as I have the consent and authorization, the agency's credit information cannot be revoked.
2. Unauthorized inquiry
It means that if an institution checks the credit information without my authorization, it will also leave a record of the inquiry.
It is illegal to inquire others' credit information privately, which affects everyone's credit information. You can go directly to the central bank's credit information center to complain about rights protection. If the situation is true, the central bank will take corresponding punishment measures against the institution and cancel the inquiry record. However, it may be a bit difficult to obtain evidence well.
The above is the relevant introduction of "Why there is no inquiry record for credit information of loans", and I hope it will be helpful to everyone.
There is no loan, why is there a loan record on the personal credit report?
At present, it can be divided into three situations, and the treatment methods are also different:
1, bank operation error. For example, if a person with the same name and surname lends money under his own name, or if the loan operator cheats, you can apply to the loan bank for objection handling, so that the bank can provide the loan certificate and loan video. If the bank finds out that it really didn't handle it by itself, it will apply to the credit center to modify the credit, and it will be able to restore credit and cancel the loan record in less than 20 days.
2. Being impersonated by others. The solution is similar. It is to file an objection application with the loan bank, so that the bank can clear itself and repair the credit information. Or call the police directly to solve the problem, let the police find out that it is not their own loan, and then ask the lending bank to modify the credit information.
3. Guarantee others. Although you don't have a loan, you have made a loan guarantor for others, and the credit record will also be displayed. If you are jointly and severally liable, you should repay the loan for the borrower when the borrower is unable to repay, otherwise your credit will be affected and the loan will be recovered by the lending institution. Unless the borrower is required to change the guarantor, he can only wait for the other party's loan to be settled.
What behaviors affect personal credit reporting?
1, credit card overdue
If a credit card fails to repay three times in a row (or six times in two years) or overdraws, it will form a bad credit record, which obviously belongs to the situation of owing money. I believe everyone will be very alert to these problems.
2. Providing guarantees for third parties may also produce bad records. Don't think that only loans overdue will have bad records in the credit report. In fact, if you are the guarantor of someone else's loan, if the borrower fails to repay the loan on time, it may also appear in your report. So in addition to urging the parties to pay off the money as soon as possible, what you can do is to do preventive work in the future. The loan guarantor has a great responsibility, so be careful before signing!
3, the debt is too high
The bank will also check the borrower's debt when approving the loan. If the personal debt ratio is high, reaching more than 70% of personal income, banks will question their repayment ability and it is difficult to apply for loans.
4. Too many credit inquiries.
As mentioned above, personal credit information also includes inquiry records. Bian Xiao learned that the inquiry frequency of credit records will indeed become a reference index, which will be used as the basis for banks to judge whether to lend risk. Because of the number of inquiries, which banks make inquiries, the purpose of inquiries, etc. , all objectively reflect the customer's credit level. If there is only one loan in your name, but it is inquired by many banks, the banks have reason to suspect that your solvency is not good and you are regarded as a risky customer.