1. Personal basic information: including name, gender, age, work unit, contact address and other information used to identify individuals.

2. Bank Credit Granting: This item will list each credit card and loan business in detail, and specifically show the past debt history of the credit granting party. 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.

3. Non-bank credit: record the payment of consumers in communication, water, electricity, coal, etc., such as whether the mobile phone is in normal use and whether the public utilities are in arrears.

4. Objection record: When the respondents think that the contents reflected in the report are controversial, they can reflect them in this part by adding statements. 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.

5. Inquiry record: it is a summary of all inquiry records of an individual 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.

So what is the credit report like, as shown in the following figure:

Second, the impact of personal credit information on loans:

1. Credit reporting agencies and banks judge consumers' repayment ability from bank credit on the basis of behavior, consumption preference and previous repayment willingness.

2. Within two years, the bank has been overdue for three consecutive times or refused to lend for six times.

3. Lenders with particularly good credit information (no overdue) can enjoy preferential interest rates for the first loan (some banks); If the credit information is not good, the bank will raise interest rates or refuse to lend according to the specific circumstances.

4. The total monthly payment of the old and new can't exceed 50% of the family's monthly income.

5. Too many times to inquire about personal credit information is easy to be rejected.

Ps: If there are too many inquiry records, and there is no record of issuing or lending during this period, the bank will feel that the qualification of the credit recipient is not good, which will affect the loan application and credit card processing in the future.

This content only applies to Beijing.