The meanings of the symbols in the credit report are as follows:

1. / - means that the account has not been opened; * - means that the loan has not been repaid this month, and the repayment period is greater than Month; * indicates that the repayment frequency is irregular and the payment has not been repaid in the current month. The user does not need to repay in the current month.

2. N —— Normal (repay the loan in full and on time); 1 —— 1 day to 30 days overdue; 2 days - 31 days to 60 days overdue; 3 - 61 days to 90 days overdue; 4 - 91 days to 120 days overdue; 5 - 121 days to 150 days overdue; 6 - - Overdue for 151 days to 180 days; 7 - Overdue for more than 180 days;

3. D - Repayment by the guarantor; The loan has been repaid by using assets to offset debts, which only refers to the part of debts that have been offset by assets, and not all loans have been settled);

5. C——Settled (indicates that the loan has been repaid);

6. G - Ended (not settled, but the account has been terminated).

The personal credit information system, also known as the consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customer requirements, the data of personal credit information systems are no longer limited to traditional operational fields such as credit records, and attention has gradually shifted to the business field of providing comprehensive social data services. The personal credit system contains extensive and accurate consumer information, which can solve the constraints of insufficient customer information on corporate marketing and help companies contact target customers in the most effective and economical way. Therefore it has a high market value. The application of personal credit information systems has also been extended to direct sales, retail and other fields. In the United States, one-third of personal credit bureau profits come from direct or database marketing. Personal credit reporting systems have been widely used in corporate marketing activities.

With the intervention of credit bureaus, when you borrow money from a bank, the account manager can query your credit report with your consent, thereby telling you whether a loan can be provided as soon as possible, saving time. On the one hand, the personal credit reporting system is a tool to prevent financial risks and maintain financial stability. On the other hand, it also promotes the establishment of the social credit system. Specifically, personal credit information is divided into three parts. The first part is basic personal information, the second part is credit information, and the third part is non-bank information.

Basic personal information includes personal identity, spouse’s identity, residence information, occupation information, etc.; credit information includes bank credit information summary, credit card quasi-debit card information summary, loan information summary, and loan guarantee information for others. Summary, etc.; non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecommunications user payments, etc. Depending on the actual situation, the customer's own statements may also be included in the system information. This information does potentially affect individuals' lending behavior at banks.

The role of the personal credit report is to provide a basis for integrity to individuals or institutions and reflect citizens’ borrowing information from records. As long as there is a business need, you can check your personal credit report anytime and anywhere. Therefore, as long as it is the person or the organization, public security agency, etc. authorized by the person, the personal credit report will be queried with no limit on the number of times.