If our credit card is overdue, we can report the overdue record to the credit reporting agency; Loans overdue, receiving overdue records at the meeting; Records of overdue foreign secured loans will be collected at the meeting.
Credit rules are the general name of relevant legal norms to adjust the rights and obligations of the subjects of credit activities.
From the experience of other countries, a complete legal system of credit reporting generally includes two parts: one is about the management of credit reporting industry, and its adjustment object is the credit reporting activities of credit reporting institutions and the whole society.
The main purpose is to standardize the operation and management of credit reporting institutions according to law, promote the healthy development of credit reporting industry, and safeguard national economic information security and social stability; The other part is about government affairs, enterprise information disclosure and personal privacy protection laws and regulations, and its adjustment object is government departments,
Extended data:
Maintenance method
1 First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time.
Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.
If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.
Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.
2. Corporate credit reporting originated in the United States and began with bond rating. John Moody, the founder of Moody's Company, first established a system to measure the risk of debt reversal, and determined the bond grade according to the risk of debt reversal. Since then, corporate credit reports have become popular in the American investment community. 19 18, the U.S. government stipulated that any foreign government issuing bonds in the United States must obtain the rating results before issuing them.
In China, corporate credit investigation is basically generated at 1987 in synchronization with corporate bond issuance. However, subject to the immaturity of the financial market, it is still in the development stage.
China is in the formative stage of market economy. Market economy is both a credit economy and a risk economy. Under the condition of market economy, it is the basic premise for the normal operation of the whole economic system to avoid risks, strictly abide by credit and ensure the timely performance of various contractual relations in economic exchanges. The more developed the market economy, the more complicated the credit relationship of various economic activities. With the development of market economy, it is a very important task to establish and improve enterprise credit information and social supervision system to ensure the healthy development of various credit relations and the normal operation of the whole market economy.
What does personal credit information contain?
Legal analysis: the content of personal credit investigation is mainly reflected in the personal credit investigation report, which mainly includes the following aspects: First, it includes basic information to prove identity, such as name, ID number, home address and work unit. Secondly, it includes personal payment information, such as mortgage, car loan, student loan, even helping others to guarantee but others failed to repay on time, credit card information (credit line, repayment record, etc. ); Finally, the inquiry records, which institutions inquired about the personal credit report when.
Legal basis: Article 518 of the Interpretation of the Supreme People's Court on the Application of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may, in addition to punishing the person subjected to execution, include him in the list of people subjected to dishonesty according to the circumstances, and inform his unit, credit reporting agency and other relevant institutions of the information that the person subjected to execution fails to perform or does not fully perform his obligations. Article 262 of the Civil Procedure Law of People's Republic of China (PRC) * * * If the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking measures such as restricting exit, recording in the credit information system, publishing information on non-performance of obligations through the media and other measures prescribed by law.
What behaviors will affect personal credit records?
What behaviors will affect personal credit records?
Generally speaking, the common behaviors that affect personal credit are as follows:
1, the credit card has been overdue for 3 consecutive times, totaling 6 times;
2. The monthly payment is overdue for 2 to 3 months or unpaid;
3. The monthly payment of car loan is overdue for 2 to 3 months or not;
4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest;
5. Water, electricity and gas charges are not paid on time;
6. Personal credit card appears tx.
Behavior;
7. Failing to repay the student loan;
8. If the "Sleep Credit Card" is not activated, an annual fee will also be incurred. If you don't pay, you will have a negative credit record;
9. Credit card overdrafts and mortgage loans are not repaid on time;
10. When providing a guarantee for a third party, the third party fails to repay the loan on time.
1 1, personal credit reports will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.
12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;
13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.
14. The information of illegal construction actors is included in the credit record, and the illegal parties who still fail to perform the punishment decision after repeated urging provide basic information and illegal facts to the credit reporting agency, which will input them into the credit system.
15. Traffic dishonesty is divided into three categories: general, serious and serious. Generally speaking, dishonesty is mainly based on reminding and education, and serious and serious dishonesty is linked to evaluation, professional access, personal credit and vehicle insurance.
What is the impact of bad credit records?
1, unable to apply for loans in banks, microfinance companies and other financial institutions.
Not only do you want to start a business with a loan, but the capital turnover has also become futile. Even applying for a mortgage or car loan will be rejected.
You can't apply for a credit card any more.
If personal credit has a bad record, it is impossible to apply for another credit card for personal daily consumption. All banks are the same, because all banks can check your credit history.
3, affect personal travel
If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will make it impossible for borrowers to fly and stay in star-rated hotels.
4. Personal credit records not only affect themselves, but also affect a family.
For example, if the husband has a bad credit record, the wife's mortgage will also be rejected.
What behaviors will affect credit reporting? How to inquire about personal loan information?
What behaviors will affect credit reporting?
1, improper use of bank credit card. Bank credit card loans to loans overdue three or six times in two years will be reflected in my credit record, which will have a direct impact on applying for loans in the future. In addition, being forged by others or a copy of the ID card leads to the deduction of money from the bank credit card, and the occurrence of TX in your own bank credit card is harmful to your credit information.
I am in debt. National student loans, housing loans, car loans and other loans have not been repaid immediately; When providing loan guarantee for a third party, the third party fails to repay the loan on time (all external guarantees are debts); When the loan interest rate increases, the "mortgage loan" or installment repayment is still paid according to the original credit line, which leads to the transfer of loans from loans overdue to loans overdue, which affects their credit information.
Your own credit information has been searched many times. Whether searching by yourself or authorizing others to search, too many credit searches indicate that consumers are under great pressure to work in irreversible liabilities, and consumers are in irreversible high risks.
4. Whether the personal credit information of lineal blood relatives is of high quality is a key factor. If you are a married staff member, a lineal relative, if your personal credit information is not good, you have a credit card loan loans overdue record, or your debt is too high, it will endanger your personal credit information evaluation.
5. Poor cultural record. For example, unpaid property management fees, water and electricity, water and electricity, gas fees, mobile phone deduction fees, unpaid taxes, etc. , all lead to the reduction of corporate credit rating. In addition, traffic violation information is still being included in the credit information system on a pilot basis. In addition, the repayment of the civil judgment by the "untrustworthy executor" will be included in the "list of untrustworthy persons", so the "dirt" of credit investigation is inevitable.
It is generally recommended to check the personal credit report at least 1 time a year (not too much). In addition to mastering your own personal credit status, you should also check whether there is any situation that others impersonate or steal your identity to obtain loans and credit cards, whether there is any wrong information, and whether there is any illegal inquiry under your authorization.
How to inquire about personal loan information?
1. Personal online banking inquiry (taking ICBC as an example)
Log in to personal online banking → click "Branch Function" → inquire about my loan information (inquire about the original repayment agreement, inquire about historical repayment records and adjust my personal information);
2. Mobile banking inquiry
Call ICBC Telephone Banking 95588→ Individual Customer, press 1→ Enter the customer number or passbook number or bank account number → press 7 to inquire about my loan information → inquire about personal credit information.
3. Inquiries about business outlets
With your ID card, go to the Credit Management Office of the local people's bank to inquire and print out your personal credit report.
4. Consult the loan approval personnel of financial institutions.
You can inquire about previous repayment agreements, historical repayment records and personal information adjustment. Different types of financial institutions have different requirements, and the specific inquiry process can be consulted by calling the customer service hotline of the handling personnel.
It's not about my loan status.
For example, guarantee loans to others, or suspect that your information has been stolen. You can go to the branches of the People's Bank of China all over the country to check my credit record report, which contains the loan situation in your name, but it takes a long time to check, and there may be backward information. (Note: Some provinces can also inquire through the online credit information system software)
Personal online banking loan inquiry service can help i query to find the loan information, repayment record and repayment account balance under his own name, effectively avoiding the credit problems caused by carelessness and affecting the future. Don't think that no one will come to the door without borrowing money. Although financial institutions are very meticulous, some people will steal other people's information loans, so we need to pay attention to my information security.