The information in the old personal credit report mainly includes six aspects: the verification results of the identity information of the Ministry of Public Security, personal basic information, bank credit transaction information, non-bank credit information, my statement and objection labeling, and historical information inquiry.

May 20 19, the new version of personal information is more complete. In addition to the old personal basic information, you can also see the spouse information. At the same time, professional information is more complete, and the amount of information is equivalent to that of resume.

Therefore, in the bank loan evaluation, you can inquire about the spouse's relevant information according to the new version of personal credit information. If the other spouse's credit information has serious problems, it is likely to affect the loan application.

Extended data

Housing mortgage loans have a column of borrowers, and sometimes couples don't have to write two names. Therefore, as the other party of repayment, the old version of credit information may not show this debt, but the new version of credit information system will.

Mo Jing, director of Han Hui mortgage business, said that if some banks think that houses are jointly held, property owners have two names, and sometimes even if there is only one borrower, they will still register the liabilities of both parties.

The new version of the credit information system brings all aspects of personal life into the management of the credit information system, and actions such as litigation and fines are "invisible". In the era of big data, credit monitoring is very transparent. What everyone can do is to be a good person and not to leave a stain on the credit record, so as not to bring inconvenience to applying for loans in the future.

China Economic Net-the new personal credit information system was launched in May, and the ability of banks to "start from the bottom" is strong enough.