Many institutions query users' credit information mainly including direct credit information and indirect credit information. How to judge that it is not a credit report? The principle is to see whether the actual lender in the loan agreement is qualified for credit reporting.

For example, 1, the lender is directly a bank financial institution. Needless to say, it must be on credit.

2. Consumer financial institutions, which are lending institutions approved by China Banking Regulatory Commission, also apply for credit investigation.

3. Then, some institutions do not access the credit information system themselves, but cooperate with companies that access the credit information system. It is also for credit reporting. Some online lending platforms do not have their own credit information system, and they will choose to attach themselves to the background of Alipay, and then Alipay will access the credit information of the central bank.

In addition, some companies with financial or small loan licenses and some large listed companies also apply for credit investigation. That is, the loan products under the formal institutional platform. Credit information is to upload your consumption records and credit records to the central bank's credit information system and then reflect them in your personal credit report. When people apply for cards or loans, or handle other financial services, banks or lending institutions will evaluate your credit by looking at your personal credit report.