Personal credit report includes:
Personal basic information: including name, gender, age, work unit, contact address and other information used to identify individuals.
Bank Credit: This item will list each credit card and loan business in detail, and specifically show the past debt history of the party being credited.
Credit institutions and credit banks often analyze consumers' behaviors and consumption preferences from this information, and judge their future repayment ability from their past repayment willingness. This information is very important.
Non-bank credit: record the payment of consumers in communication, water, electricity, coal, etc., such as whether the use of mobile phones is normal, whether public utilities are in arrears, etc.
Objection record: when the parties think that the contents reflected in the report are controversial, they can reflect it in this part by adding a statement. Individuals have the right to raise objections, which reflects the protection of their legitimate rights and interests and is also an important way for credit reporting agencies to correct and update information.
Query record: it is a summary of all individual query records in the last 6 months. If there are too many inquiry records, and there is no record of issuing cards or lending during this period, the bank will feel that the qualifications of the parties being investigated are not good, which will affect the handling of loan applications and credit cards in the future.