1, the credit report has a short version and a detailed version. There is a big difference between the two. If we apply for a loan from the bank, we will be asked to authorize a credit investigation. At this time, I found a detailed credit report, and the content was more specific and detailed. Simplified credit investigation is generally used by some small loan companies as a reference. The layout of the credit report is divided into five sections: personal basic information, information summary, credit transaction information details, public information details and inquiry records.
2. Credit reports are divided into personal credit reports and enterprise credit reports, which are personal credit information records released by the Credit Information Center of the People's Bank of China, and can be used to query the social credit of individuals or enterprises.
3. Banks check credit report, mainly see the following points. First, look at the historical repayment records to judge the borrower's willingness to repay, and see if there is a possibility of default after lending money to the borrower to prevent this from happening. Second, look at the loan quantity and external guarantee, which is to judge the borrower's debt situation and repayment ability, so as to prevent the borrower from paying back the money within the time limit after lending to the borrower.
Friends who want to apply for a loan should develop good consumption habits and protect their personal credit. After the loan, they should repay it on time and not overdue. At the same time, don't give people loans casually, let alone apply for loans on multiple platforms, which will affect personal loan applications in the future. When applying for a loan, you need to apply for a loan amount according to your actual situation, rational consumption and rational lending. At the same time, when choosing a lending institution, we must choose a formal lending institution and don't fall into the pit of usury. When we apply for a loan, the lending institution will ask the borrower to provide the corresponding credit report, because the credit report can effectively reflect the borrower's personal debt and credit problems and is an important basis for the lending institution to judge.