Personal credit report mainly records the overdue records of loans, credit cards or quasi-credit cards overdrawn for more than 60 days in the last five years; A summary of the inquired records of personal credit records, public information and credit reports in the last two years. The inquired records generally show the reasons, methods and times of inquiry, as well as credit records, public records and inquired records.

The requirements of general mortgage for personal credit information;

1, whether there is a credit record, and whether there is a credit record is good or bad;

2. For banks, people with good credit records are better than those without credit records, while borrowers with bad credit records face the risk of being refused loans.