The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;
In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
Extended data:
Benefits of using credit information:
1, saving time
A lot of information that banks need to know is in the credit report, so it doesn't take so much time to investigate and verify the authenticity of the information filled in the loan application form.
2. Easy to borrow money
The credit report reflects a person who repays the loan on time and earnestly performs the contract. The bank will love it. Not only can we provide credit services such as loans and credit cards, but we can also give preferential treatment on the amount and interest rate.
3. Credit reminder
If the outstanding loan is recorded in the credit report, the bank must be cautious when considering whether to provide the loan. Banks are very likely to provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to lend.
4. Fair credit
Credit center provides objective credit history records for banks, so that the facts can speak for themselves, reduce the influence of subjective feelings and personal emotions of loan officers on the application results of loan credit cards, and obtain more fair credit opportunities.
References:
Baidu Encyclopedia-Credit Report
References:
Baidu Encyclopedia-Zheng Xin