1, the new credit actually did what?
1, add personal information. In the new version of credit information, personal information will be displayed more completely, such as education, occupation, cell phone number, e-mail address and so on. Take the new nationality as the basic information, the new joint loan as the credit information, the personal guarantee as the legal person guarantee, the legal person guarantee as the personal guarantee and so on. In addition, information on utility bill payments has not yet been included, but the format has been retained. "Credit" is becoming more and more important in life. Personal information is linked to credit history in a more detailed and accurate way. For example, during the epidemic, measures such as concealing medical conditions were sensationally included in credit information blacklists.2. Adjustment of repayment record time. The old version of credit information only retains the repayment record for 2 years, while the new version adjusts the record for 5 years. Also added the amount of overdue amount and repayment amount in the past 2 years, even if the account is canceled, there is a criminal record. Of course, if the arrears are not paid, the retention time will continue to be extended. The longer retention time of bad credit records reflects more comprehensively the credit status of an individual, which has far-reaching effects on the individual. So whether you apply for a loan or a credit card, you need to maintain a good credit record and avoid being late.3. New concept of joint borrowing. In the old version of the credit, husband and wife *** with repayment, one party is the main body of the loan, the other does not reflect the debt. In the new version, both husband and wife have a credit history, avoiding the routine of enjoying a second suite of first loans through a fake divorce. However, *** co-borrowing depends on whether two names are written for the borrower in the loan contract. If only one party's name is on the loan, the loan won't be reflected in the other party's letter.
Two: How does a credit history accumulate?
Credit checks are becoming more and more important as the opportunities to deal with banks and financial institutions increase. Personal credit card usage records, loan records, and even living expenses for water, electricity and coal are all recorded. However, credit cards are the easiest and most important tool to build up a credit history.
The number of credit record inquiries cannot be too high, but neither can they be unchecked! Why? Because there are times when you may forget to pay, not pay enough, and so on to produce a credit stain, only regular inquiries to understand the timely in order to avoid or remedy. Under normal circumstances, every six months to check their credit records is the best. The first thing you need to do is to check your credit score.