Personal credit report contains the details of credit transaction information, reflecting the activities of each loan of the investigated person. The repayment record at the bottom shows the repayment of the respondents in the last 24 months since the reporting period. There will be a settlement record after the loan is settled. If the outstanding loan balance is 0, it means that the user has no outstanding debts at present. On the contrary, if the outstanding loan has a balance, it means that the user still has a loan to repay.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields.

In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.