Interpretation of Personal Credit Report (Personal Edition);
1. What's the difference between "query time" and "report time"?
Answer: "Query Time" refers to the time when the system receives the query application from the query operator; "Report Time" refers to the time when your credit report is generated after the system receives the inquiry application.
Second, where is the marital status collected?
A: Marital status is provided by the financial institution where you handle business, and its content comes from the information you provide to the financial institution.
3. What does the information summary show?
Answer: Information Summary According to asset disposal information, guarantor compensation information, credit card, housing loan, other loans, etc., summarize your account number, overdue account number and guarantee for others.
4. What does "number of accounts" mean?
A: "Number of accounts" means how many credit card accounts, several housing loans and several other loans are in your name.
Please note that the number of accounts is different from the number of credit cards. Generally speaking, dual-currency credit cards (including RMB accounts and US dollar accounts) are calculated by commercial banks according to the number of two accounts, and your credit report shows that the number of credit card accounts is 2.
What does the verb (abbreviation of verb) mean by "number of open/unsold accounts" in the information summary?
Answer: "Unregistered account number" refers to the number of credit card accounts in your name that have not been cancelled (including active and inactive accounts). "Outstanding account number" refers to the number of outstanding housing loans and other loans in your name.
6. What do you mean by "overdraft balance" and "used line"?
A: Both "overdraft balance" and "used line" reflect the amount of money you owe to the bank (including principal and interest), but different business types use two expressions. Quasi-credit cards are displayed as "overdraft balance" and credit cards are displayed as "used line".
7. What is the overdue amount of the credit card?
Answer: It refers to the amount that you failed to repay on time or in full before the deadline of repayment date, and the resulting interest (including penalty interest) and expenses (including over-limit fees and late fees).
8. What does "public record" include?
A: "Official records" include your tax arrears records, court civil judgment records, enforcement records, administrative punishment records and telecom arrears records in the last five years.
9. What is a "query record"?
A: The "inquiry record" reflects the history of your credit report being inquired, and shows which institution or who inquired about your credit report when and why. The contents displayed include the query date, query operator and query reason.
X. What's the difference between the information found in the credit sub-center and the information found online for the same personal credit report (personal version)?
A: The personal credit report (personal version) inquired by the credit information sub-center is generated on the intranet side of the credit information system, and the personal credit report (personal version) inquired by the Internet is generated through the information stored in the Internet by the personal credit information system. The credit reports found by the two networks are basically the same, but there are some differences between the two networks because the data of the two networks can not interact in real time to protect information security. These differences are mainly manifested in the following three aspects:
1. For security reasons, the customer ID number in the personal credit report (personal version) inquired through the Internet only shows the last four digits, and the rest figures are shielded with asterisks, showing all the customer ID numbers in the personal credit report (personal version) inquired by the credit information sub-center.
2. The "Times of Inquiring Reports through the Internet in the Current Year" in the Internet Inquiry Report will be updated in real time, and this item in the Sub-center Inquiry Report will be updated in 1 days. The detailed information of the query record segment in the sub-center query report will be updated in real time after the intranet query, and the segment in the Internet query report will be updated in 1 days.
III. When the data reporting institution updates the identity information, credit records or historical overdue records in a non-message way, it will display the latest modification result in the credit report inquired by the sub-center and update the modification result in the report inquired by the Internet 1 day later.