If the business-related organizations have reported the data, it will be updated within 1 to 2 months after reporting the data, and what you generally see when you view the personal credit report is the record of 1 to 2 months ago, for example, what you see when you query in August may be the record of June or July. Here involves 2 time: 1. your business related organizations in your business data has changed (for example, you have repaid the loan) how long will be reported to the People's Bank of China; 2. the People's Bank of China received the data and how long to update the success.

The credit center data are reported by the bank or other financial institutions, the bank will send your usage record to the central bank every month, meaning that your bank credit record is updated every month, and some of the netizens said that the date of the update at the same time depends on the billing date of your credit card account and so on.

At present, the source of information for the credit system is also mainly commercial banks and other financial institutions, and the information included includes the basic information of enterprises and individuals, credit information such as borrowings and guarantees in financial institutions, as well as the main financial indicators of enterprises.

Personal credit collection refers to the collection and processing of personal credit information by personal credit collection agencies established by law, and the provision of personal credit information inquiry and evaluation services according to user requirements. The personal credit report is a personal credit history record that the credit agency collects the information in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to the legitimate information inquirer in accordance with the law.

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