Requirements of loans for credit reports
Different banks have different requirements for customers' credit information.
1.ABC Bank
The regulations of Agricultural Bank of China require borrowers to have a good credit record and no outstanding loan principal and interest before they can issue loans.
2. Industrial and Commercial Bank of China
ICBC's personal consumption loan is overdue for 6 months or more in the last 24 months, and personal housing loan is overdue for 12 months or more in the last 24 months.
3. Bank of China
According to the regulations of China Bank, the credit history of a credit card exceeds the interest-free period by one month or the interest-free period 1 period, and it has been overdrawn twice in the last three months. If the credit card is overdrawn for two months or the quasi-credit card exceeds the interest-free period of three months, the card will be rejected.
4. China Construction Bank
If CCB stipulates that a customer defaults on the loan principal or interest for more than 90 days, and defaults on the loan principal or interest in installments for more than 6 consecutive futures periods, the customer is currently bagging in the personal credit information system of the People's Bank of China or in CCB and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ) overdue, or have a bad record of overdue for more than 90 days in the recent 65438+February.
What does the credit report read?
1, personal basic information. Including name, identity card, name, date of application, date of issuance, marital status, etc.
2. Credit records, mainly loan records applied by individuals to bank financial institutions, including credit cards, mortgages, commercial loans, student loans and a series of loan records. Include a series of information such as settlement and unsettle,
3. Public information, including personal information, communication, water, electricity, gas, tax and other information that individuals have applied for, as well as personal court information, such as whether they are included in the list of people who have lost their trust.
4. Objection record. This part contains the meaning that the inquirer has applied to the banking institution when he has any objection to the personal credit information, which can be reflected by adding a statement in this part. However, the author did not apply for any objection, so there is no relevant record.
5. Inquiry records, including records of personal inquiries and relevant information of institutional inquiries. General banks will have this record when approving credit cards.