the method for the deceased to check the credit information is to go to the notary office for notarization, and the heir will check the credit information with the notarial certificate. Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to enjoy credit information. In May 219, the new personal credit information was officially published, and the length and fineness of credit information will be further improved.
1. what are the consequences of poor credit reporting?
the most direct impact is that it will hinder the application for loans and credit cards in the future. In addition, if the breach of trust is serious, it will be listed as the person subjected to execution, and the people's court may issue an order to restrict the high consumption of the person subjected to execution according to the "Several Provisions on Restricting the High Consumption of the Person Subjected to Execution".
2. how to maintain your own credit information?
develop good repayment habits: in daily credit card consumption, personal loans and various payment, we should pay special attention to the repayment period, resolutely avoid overdue and maintain a good credit record; Consciously establish personal credit records: in today's society, it is difficult to move without credit, so we should actively maintain personal credit information and make clear the red light and green light; If there is a negative credit record, it should be repaired in time: if it is difficult to repay the loan in full due to special reasons, please contact the loan bank in time, adjust the repayment plan, and be careful to prevent default behaviors such as default. For example, if the credit card is overdue, you should pay the penalty interest in time and remedy the repayment on time;
reduce the frequency of credit inquiry: you can regularly inquire about your credit status through the central bank's credit inquiry center. If you find any problems in your credit record, you need to correct or remedy them in time. However, don't click on the online micro-loan advertising link at will. Maybe you don't need a loan, but you have also inquired about your credit.
that's all about credit reporting. if you have anything else you want to know, you can also log in to the credit reporting center of the people's bank of China for detailed investigation. In the future, credit information will be more and more deeply integrated into and affect our lives. I hope everyone can protect their credit information.
operating environment: open China bank app version 7.2..