Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
First of all, the bank divides the overdue situation of customers into several grades, such as level 1 (forbidden), level 2 (secondary), level 3 (defective) and level 4 (normal).
1. Forbidden category means that customers cannot obtain credit, including loans and credit cards, the same below; Generally speaking, in the last 24 months, the maximum overdue is more than 60 days, the accumulated overdue is more than 6 times (there are also 9 times) or the current account status is abnormal, including overdue, freezing, paying debts with assets, guarantor compensation, etc.
2. Sub-prime loans, cautiously giving credit to customers. The maximum overdue in the last 24 months is 365,438+0-60 days, the account has been granted credit for 3-6 times, and the account status is normal.
3. In the case of defects, there is a slight breach of contract, but it is not enough to affect repayment, and credit can be granted. Overdue within 30 days in the last 24 months, or accumulated within 3 times.
4. During the normal period, relatively excellent customers have no overdue or inquiry records in the last 24 months.