2, Hundred Bank credit report. Just open WeChat to find: enter the information can query to their own credit data, the data from the country's more than 2,000 online lending platforms and the UnionPay Center, the user can query their own big data and credit situation, you can get all kinds of indicators, query to their own personal credit situation, the net black index score, the blacklist situation, the online loan application record, the application of the platform type, whether the late, the amount of the late, the credit card and the estimated credit limit of online loans, and other important data information.
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At present, it is mainly applied to various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more and more widely used in a variety of commercial credit sales, credit transactions, recruitment and job search and other fields. In addition, the personal credit report also provides a way to query, check and standardize one's credit history behavior, forming a verification mechanism for personal credit information.
Personal credit collection refers to the activities of personal credit collection agencies established by law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements.
Credit information
1, basic personal information that can be used to identify an individual's identity and reflect an individual's family and occupation;
2, personal credit information formed by the credit relationship between an individual and a financial institution or a housing accumulation fund management center;
3, personal credit purchasing information formed by the credit purchasing relationship between an individual and a commercial organization or a public utility service organization Personal credit purchase and payment information;
4. Public **** record information related to personal credit formed in the course of exercising authority by administrative organs, administrative affairs executive organs and judicial organs;
5. Other information related to personal credit.
The impact of bad credit record
1, affecting the loan
If there is a bad credit record, you will not be able to get a loan in the bank in the future, and you can't even get a credit card, which is called spending tomorrow's money to enjoy today's happiness.
2, affecting the travel
If there is a bad credit record, the previous late repayment will be included in the credit system, personal travel will also be affected. For example, you can not take the airplane, train, etc.
3, affect the employment
Many big companies will do background checks on you before you join the company, and if you find out your bad credit record, then there is certainly no way to join the company.
4, affecting the family
Bad credit record in addition to their own impact, the family also has a certain impact, such as between the husband and wife of a person with a bad credit record, then the other person wants to loan to buy a house to buy a car, but also will be rejected; to remind our friends must not have a bad credit record, do not default on any expenses in life, if there is really a certain degree of difficulty, but also to choose to pay the minimum amount of money, the amount of money, the amount of money, the amount of money, the amount of money, the amount of money, the amount of money, the amount of money, the amount of money. Also choose to pay back the minimum amount, installments and so on.