Personal credit information is called the "identity card" in the economic era. No matter what kind of credit business you handle, it has a certain relationship with credit investigation to some extent. We often advise you to keep good credit information. So what do the three things of credit information refer to? Many people don't know much about it. Today we will briefly introduce it, hoping to help you.

I. White families

Many people think that I have not dealt with financial institutions and have no personal credit. The abbreviation "white household" seems very good. However, it's like having a hukou when a child is born. Do not apply for credit cards, do not apply for loans, personal credit report is basically blank, there is no record, only basic identity information such as name, ID number, no contact information, address, company, etc. Banking financial institutions can't judge your integrity, so some banks with strict risk control will directly reject you.

Second, black households

This is the most important of the three non-credits. In fact, banks do not have a strict blacklist, but once they are rejected by banks or lending institutions, for example, there are a large number of overdue records in the credit report, the number of overdue times in the past two years is more than three months, the overdue amount exceeds 1000 yuan, or bad debts, compensation, freezing, attention, etc. It belongs to the scope of black households in the credit report. (Of course, if the credit card has problems due to annual fees or special reasons, you can consult the corresponding bank in time to repair it. )

Third, invisible liabilities.

Maybe your credit status is good, and there is no overdue record, but once you guarantee for others, and the amount is relatively high, it is equivalent to your hidden debt, and you may have to bear the repayment responsibility at any time, which is a bad influence on applying for loans or credit cards, so don't guarantee for others casually.