Credit investigation refers to the business that banks, credit cooperatives, small loan companies and other financial institutions form and maintain personal credit files by collecting personal credit information. In the credit report, some letters may be displayed, which represent different meanings and are very important references for financial institutions.

In the credit report, the letter D stands for overdue, M stands for extension, R stands for recovery, C stands for guarantor's compensation, S stands for settlement, and null stands for normal. These letters are a very important reference for financial institutions, which can help them evaluate their personal credit status more accurately and make more informed loan decisions.

At the same time, for individuals, when applying for financial products such as loans or credit cards, they should maintain a good credit record to avoid bad credit situations such as overdue or arrears. If you accidentally have a bad record, you should not only pay off the arrears in time, but also actively communicate with financial institutions to reduce the impact on your personal credit record and leave a better credit record for yourself.