The so-called credit white account is a user who does not have any loan records or credit card records in his credit report. Generally, when applying for bank credit products, you need to provide a personal credit report. The bank will assess the credit status of the applicant based on some credit records on the credit report. Generally, credit history includes past loan repayments and credit card usage. Sometimes a white credit history is not favorable for credit product application because banks cannot get valid information from the credit report.

1. It is difficult for many people to understand that white families have bad loans. In fact, the reason why white families have difficulty in applying for loans is because of the blank credit report.

2. The reason why institutions need to review the borrower's personal credit report when they are processing loans is that the lending institutions need to judge the borrower's ability to perform and repay through the loan records and credit history in the credit report. If the borrower's personal credit report is blank, the lending institution will not be able to judge the borrower's credit status from the credit report.

3. In this case, in order to avoid risk, the lending institution may not consider lending, which is the main reason why white loans are easily rejected.

4. So, if you are a white family with credit, it is recommended that you apply for a credit card first. The threshold for applying for a credit card is now low. We can use the credit card to maintain credit first, and then apply for the loan business.

1, credit collection is a Chinese word, pinyin is zhēngxìn, which means collecting, organizing, preserving and processing the credit information of natural persons, legal persons and other organizations in accordance with the law, providing external services such as credit reports, credit evaluation and credit information consulting, helping customers to judge and control credit risks, and carrying out credit management activities. From "Zuo Zhuan - Zhaogong 8 Years" The words of a gentleman, so the complaint is away from the body. Among them, the "letter and trust" means that its words can be verified, or credit checking.

2, credit investigation is a professional, independent third-party organizations for individuals or enterprises to establish credit files, in accordance with the law to collect and objectively record their credit information, in accordance with the law to provide credit information service activities. It provides a platform for professional credit bureaus to *** enjoy credit information.

3. Enterprise credit collection is mainly an organization that collects enterprise credit information and produces enterprise credit products; individual credit collection is mainly an organization that collects individual credit information and produces individual credit products. In some countries, these two types of business are completed by a single organization, and in some countries, they are completed by two or more organizations, or in one country, there are both organizations engaged in individual credit collection alone, as well as organizations engaged in two types of personal and enterprise credit collection business, which are generally not restricted, and are decided independently by the credit collection agencies according to the actual situation.