If you don’t have a loan, does that mean you have no credit? Don't think too simply!
Personal credit report is called a symbol of economic status. Once credit business is handled at a bank or some financial institution, it will be recorded on the credit report. For example, many people have taken out loans from banks. Check their credit report. Loan records can be found. However, there are also people who have never taken out a loan and want to know if they have no credit. In fact, it is not that simple.
If you don’t have a loan, does that mean you have no credit? No, the credit record does not only include loan records, but also other data. The credit report is divided into five major sections based on the page content, including personal information, information summary, credit transaction details, company information details, and inquiry records. If you have a loan, you can see the loan type and number of loans in the information summary, as well as a summary of overdue and default information, credit and liability information; and in the credit transaction details, you can see the loan disbursement time and loan disbursement details. Institution, amount, loan type (credit/mortgage), repayment method and loan term, etc. Those who have not obtained a loan will not have these records, but personal information and company information details will still be recorded. For personal information, you will see ID card, marriage information, residence information, occupation information and other information. Among them, the work unit information will record 5 times of employment information. If you change jobs frequently, you can find out, especially if the working hours are not long. It shows that the stability is not strong, which is not conducive to applying for loans and credit cards in the future. For example, company information details will record the payment status of water, electricity, gas, provident fund, social security, etc., as well as execution records, as well as some personal assets, etc. For example, query records will record loan approval, credit card approval, guarantee qualification review, post-loan management and other records. The above is the relevant introduction of "if you don't have a loan, you have no credit report". In short, the credit report does not only record the credit business and other information handled by the borrower, so it does not mean that there is no record without a loan. Don’t think too simply. There are many aspects that you need to pay attention to when maintaining your personal credit report. Do people who don’t have loans have credit reports?
If the user has not applied for a loan, but has applied for a credit card, the credit report will record the credit card application record and repayment record. Such people have credit. reported.
Having never applied for a loan or a credit card, there is no credit record in the credit report. This type of user is what we often call a credit report white account.
Since credit-reporting accounts do not provide any information to the bank, it is difficult for the bank to judge the user's credit qualifications. The loan application of such users may not be approved or the loan interest rate may be increased.
There are currently three versions of personal credit reports, namely:
Personal version: for consumers to understand their credit status, mainly showing the credit information and public information of the information subject wait. Including personal version and personal detailed version.
Bank version: Mainly for commercial banks to query. In credit transaction information, this report does not display the names of other lending banks or credit institutions other than the querying institution. The purpose is to protect business secrets and maintain fair competition.
Social version: for consumers to open stock index futures accounts. This version displays your credit summary information, mainly including personal professional qualification records, administrative reward and penalty records, court litigation and enforcement records, Tax arrears records, social insurance records, housing provident fund records and credit transaction records.
Enterprise credit report
Enterprise credit report is a document that comprehensively records various economic activities of an enterprise and reflects the credit status of the enterprise. It is the basic product of the enterprise credit system. Enterprise credit reports objectively record the basic information of the enterprise, credit information and other information reflecting its credit status, and reflect its credit status comprehensively, accurately and timely. It is the "economic ID card" of the information subject.
Enterprise credit report mainly includes four parts: basic information, credit information, public information and statement information. The basic information displays the company's identity information, main investor information and senior management information, etc. Loan information displays a company's current liabilities and paid-off debt information with financial institutions and is the core part of the credit report.
Public information displays the company's social management information, such as tax arrears information, administrative penalty information, court judgments and execution information, etc. The statement information displays the description of the reporting agency under the enterprise, the label of the credit reporting center, and the statement of the information subject, etc.
Enterprise credit reports are mainly used for credit approval and post-loan management of commercial banks, and are also used in many activities such as awards, evaluations, bidding by government departments, or financial audits by audit agencies. After obtaining the authorization and consent of the enterprise, commercial banks, government departments, etc. can query the credit report of the enterprise to understand its credit status.
If an enterprise believes that there are errors or omissions in the information in the credit report, it can raise objections to data providing institutions such as credit reference centers or commercial banks. Can I check my credit report if I have not taken out a loan?
Personal credit report is everyone’s economic identity card, which can reflect each person’s credit situation and play a certain reference role in applying for loans and credit cards. It is best for everyone to check their credit report every year. Some people may ask, can you check your credit report if you have not taken out a loan? What information do I need to provide for a credit check? Let’s take a look below. Can I check my credit score if I have never taken out a loan? If you have not taken out a loan, it can only be said that there will be no loan record on the credit report, but it does not mean that you cannot check your credit report. It can be said that as long as you are a citizen and have a legal and valid identity document, you can check your credit record regardless of whether you have had a loan or not. What information do I need to provide for a credit check? When checking a credit report, you must verify the identity information of the person who inquires, because the credit report is also everyone's private information, and other people have no right to check it unless authorized by the person. Therefore, the credit check must provide the legal and valid ID card of the inquirer, and you may also need a mobile phone number because you need to receive a verification code. There are two methods of credit inquiry: online inquiry and offline inquiry. For those who have never taken out a loan or applied for a credit card, there will be no credit record on the credit report. In fact, all you need to do is check the simplified version of the credit report online. , you can check your basic information, including ID number, name, age, work information, etc. Online credit inquiry can be divided into three steps. After the inquirer registers and logs in on the personal credit information service platform, he or she can choose one of the three verification methods of bank card, digital certificate or mobile financial IC card for identity verification, and then select Submit an inquiry application for the credit report service product, and obtain the inquiry record with the received identity verification code after the credit information product is processed. If you want to check offline, the borrower needs to bring his or her valid ID and mobile phone to the self-service inquiry machine at each credit reporting branch center to check, put the ID card on the self-service inquiry machine for identity verification, and then take a photo to verify the identity. Select the type of credit report, such as a simplified version or a detailed version, and the credit report can be printed out on the machine.