The structure of a credit report consists of two parts: the name of the report and the content. The name of the credit report is naturally "personal credit report", and the content of the credit report is composed of the credit report header, the credit report body and the credit report description. The header of the credit report includes the report number, inquiry time, report time and inquiry information; the body of the credit report includes the basic information of the individual, credit transaction information, inquiry records, etc.; the description of the credit report is the content of the credit report of some of the explanatory information and credit service center on the credit report of the rights and responsibilities of the description.
The header section of the credit report includes the report number, inquiry time, report time, name of the inquirer, type of document of the inquirer, document number of the inquirer, the inquirer, and the reason for the inquiry.
The report number, which is automatically generated by the system, corresponds to a report number for each credit report, which is unique and will not be repeated.
The query time is the time when the system receives the query request from the querier; the report time is the time when the personal credit report is generated. Usually the difference between these two times is not very large, because the system only needs a few seconds or even less from the time it receives the query request to the time it generates the credit report.
The name of the person being inquired, the type of document being inquired, and the document number of the person being inquired confirm the identity of the person being credited; and the inquirer indicates the name of the inquiring organization or the name of the inquirer.
The reason for inquiry, that is, why the credit report is inquired, is currently provided by the system with five choices, namely, post-credit management, loan approval, credit card approval, in-person inquiry, and objection confirmation.
We introduce the main body of the credit report.
Basic information, which includes three sub-segments: personal identification information, residence information and occupation information. The basic information segment confirms the identity of the creditee. It also serves to give the inquirer an overall judgment of the creditee.
Personal identity information, it contains name, document type, document number, gender, date of birth, highest education, highest degree, mailing address, telephone, e-mail, household address, marital status, spouse information and information acquisition time. The combination of name, document type and document number is the only identifying information for the system to confirm the identity of the person being credited.
Residence information displays up to 5 different pieces of information from the latest acquisition. The different information refers to the different residential address fields, sorted from newest to oldest according to the time the information was obtained. The residential address, zip code and residence status reflect the residential address and residence status of the person being solicited, from which the degree of stability of the person's life can be judged, and the information on the person's property ownership can also be displayed.
Occupation information displays up to 5 different pieces of information from the latest acquisition. Different information refers to the name of the organization where you work, and is sorted by the time the information was obtained, from newest to oldest. The name of the work unit, the address of the unit, the postal code, the industry to which the unit belongs, the occupation, the position, the title, and the year in which the work of the unit started reflect the degree of stability of the work of the person to whom the credit is being applied and the categorization of the occupation, and at the same time provide a channel to understand the information about the person, which to a certain extent reflects the repayment ability of the person. The first thing you need to do is to get your hands on a new computer, and you'll be able to get it to work for you.
The rules for arranging credit card details: credit card details are displayed first in order of card type, second in order of currency, and finally in order of account opening date (ascending). That is to say, first of all, according to the first quasi-credit card after the credit card, the card type is the same as the first RMB after the foreign currency, if the card type and currency are the same as the date of opening the account in ascending order.
Card type, divided into credit card and quasi-credit card. The name of the legal entity that issued the card refers to the legal name of the credit card issuer. Guarantee method, refers to the way the credit card is guaranteed, reflecting the degree of risk of the credit card. Currency means the currency in which the account was opened. The date of account opening, in this case, refers to the date of issuance of the credit card.
Credit limit, the maximum amount that can be used (or overdrawn) approved by the card issuer for the cardholder based on his/her creditworthiness, reflects the credit assessment of the cardholder.
***Enjoyment of credit limit refers to two or more credit cards and their accounts ***Enjoyment of the same credit limit, when any card and account spends a certain amount of money, the available credit limit of these cards and accounts will be reduced accordingly.
Maximum debt, which is the historical maximum of the actual credit limit (or overdraft) used on the credit card, in layman's terms, is the most the cardholder has ever owed the bank.
Overdraft Balance/Used Limit, Overdraft Balance for quasi-credit cards and Used Limit for credit cards, are both reflective of the current indebtedness of the cardholder, and it is important to note that this value only includes the principal portion.
The account status, including normal, stop payment, frozen, canceled, and doubtful, reflects the issuer's assessment of the risk level of the credit card.
The amount due this month and the actual amount paid this month. As the name suggests, the amount due this month is the amount that should be returned in the current month. For quasi-credit cards, it is the sum of the cumulative overdraft amount and the interest rate in the current month; for credit cards, it is the minimum payment amount calculated on the date of billing.
The actual amount paid in the month is the cumulative amount paid in the month.
The date of the last actual payment is not the date of the last payment made by the cardholder in real life, but the date of the last payment made by the card issuer before the data was reported.
The current number of past due periods, which is specific to credit cards, as there is no such thing as a past due period on a quasi-credit card. It is the number of consecutive minimum payments currently outstanding on the credit card. When the card type is quasi-credit, this data item has no meaning and is shown as 0.
The current past due total, also for credit cards, is the total amount of the current outstanding minimum payment. Note that it includes interest and fees. The card type is 0 when it is a quasi-credit card, so if you see 0 for current past due periods and 0 for current past due total on your credit report, don't assume that the person you're checking with has good credit and isn't past due, but look at the card type first, because when it's a quasi-credit card, it will always show 0.
Quasi-credit card overdraft balance of more than 180 days unpaid balance, is the credit card from the first overdraft date to calculate the number of days overdrawn more than 180 days of overdraft amount and the sum of the interest accrued, when the number of days overdrawn is less than or equal to 180 days, the value of this value is 0. We pay attention to, is the entire overdrawn amount and the interest and the sum of the. If the overdraft exceeds a certain period, it is necessary to emphasize it in the credit report, and this period is 180 days. The fact that you see this data item as 0 on your credit report does not mean that there is no overdraft, but perhaps the overdraft has not exceeded 180 days.
The number of minimum payments outstanding on a credit card in 12 months, which is an indicator of how many times a cardholder has missed a minimum payment in a year.
Record of credit card payment status for each of the last 24 months. This indicator reflects the process of change in the willingness or ability to repay over a period of time (i.e. two years). The first thing you need to do is to take a look at the "C" and "G", the C indicates the normal settlement of the cancellation of the account, that is, the termination of the account under normal circumstances; while the G indicates the end of the termination of the account, refers to the termination of the account of any other form in addition to the settlement, such as write-offs, etc., and the two to be differentiated. Next is the "#" sign, which indicates that the account has been opened, but the status for the month is unknown. In fact, if the account has been opened, the status for the month is definitely known. This is to take into account that some commercial banks' systems do not collect this information temporarily through our system to verify the temporary measures taken.
Settlement year and month, which is the reference point for 24 months of repayment status.
Enquiry records, including the date of inquiry, the enquirer and the reason for inquiry. Reflects the circumstances under which the credit report of the creditee was inquired.
The inquiry date is the time when the inquirer inquired about the credit report of the creditee.
Inquirer, the name of the person or organization that inquired about the credit information.
Reason for query, the reason for querying the credit information, such as loan approval, post-credit management, credit card approval, in-person query, and objection confirmation.