Personal credit information is divided into three parts. The first part is personal basic information, the second part is credit information, and the third part is non-bank information. Personal basic information includes personal identity, spouse identity, residence information, occupation information, etc. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary, loan guarantee information summary for others, etc. Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecom users' payment, etc.
Because credit records not only affect personal economic life, but also extend to study and employment. For example, when studying abroad, some foreign schools will ask to see if the applicant's credit record is good, and more and more employers will decide whether to hire according to the applicant's credit record.