2. Wuhan Financial Supermarket Workstation: 6th Floor, Block B, Optics Valley International Plaza, Donghu Development Zone, Wuhan;
3. Credit information service window of Wuhan Private Financial Street Public Service Center: No.76 Qianjin 4th Road, Jianghan District;
4. China People's Bank Caidian Sub-branch Service Hall: No.225 Caidian Street, caidian district;
5. China People's Bank Huangpi Branch Service Hall: No.99 Huangpi Avenue, Qianchuan Street, huangpi district;
6. Huangpi Hankou North Government Affairs Hall: Sijimei Agricultural Trade City, No.77 Hankou North Street/Building KLOC-0/1.
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report starts from the overdue information on June 5438+00, 2009, and deletes the previous bad repayment records.
Because the relevant departments have not stipulated the time limit for negative records, overdue records will be displayed in the old personal credit report, no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
In the past, some citizens complained that personal credit reports were incomprehensible because they were all forms and digital codes. The meaning of each number must refer to the notes. The new version of the report has changed the presentation method based on tables and used more words. At a glance, the public can know which cards are overdue and which repayment is normal. At the same time, the new report also reserved a display area for information such as asset disposal and guarantor compensation.
In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, and credit card or loans overdue behavior occurred from time to time. Because banks and work units will refer to these credit records, long-term negative information will have a serious impact on their lives and work. The introduction of the new credit report of the central bank is equivalent to giving individual consumers an opportunity to change, re-establish and accumulate personal credit records after paying off overdue debts. It is reported that if negative information appears in the personal credit report, residents are likely to be affected when applying for credit cards and housing loans.
Credit report is divided into personal credit report and enterprise credit report. It is a personal credit information record released by the Credit Information Center of the People's Bank of China, which is used to query the social credit of individuals or enterprises.
Credit reports are divided into three categories: personal basic information, credit transaction information and other information.
20 19 may, the new version of personal credit information will be officially launched, and the length and fineness of credit information will be further improved.
On June 65438+1October 65438+September, 2020, the second generation credit information system was officially launched.