Generally includes the following contents:

1. liabilities;

Including the amount, term and remaining repayment amount of our mortgage, car loan, bank loan, credit card and loan guaranteed for others. Find out all your debts. Combined with the current operating conditions, banks can judge whether there is a bad situation of debt management, so as to further consider the repayment ability. This has an important impact on the amount and duration of approval.

2. Whether there is overdue;

When we fail to repay the loan according to the repayment date, the overdue record will be reflected in the credit report. Banks can judge the importance of personal credit according to the overdue records of individuals. Usually, in order to reduce the loan risk, overdue people will be affected in the loan amount and interest. It won't even pass.

3. Credit history;

In the credit report, it will truly reflect the personal loan situation. If we have no loan history, the scores of financial institutions or banks that have made loans for the first time may be lower than those who have made one or two small overdue loans.

4. Relevant loan review records;

The last item of personal credit report is the inquiry and approval record of loan or card. You can see your recent loan or credit card application records and other post-loan records in the records. If there are many loan approval records in a short period of time, the bank will think that our funds are relatively tight and the risks are relatively large in the near future, which is very unfavorable for approval.

Extended data:

In order to ensure that there will be no problems with your credit information, you should pay special attention to the following issues:

First, whether it is a credit card or a loan, you must repay it on time, remember the last repayment date clearly, and if possible, it is best to pay off the arrears before the last repayment date. Credit card arrears, if you can't pay in full, you can pay the minimum amount or installment now.

Second, if you accidentally overdue, you must repay the overdue debts in time. If the overdue time is too long, not only the individual's five-year period will be pushed back, but also a high penalty interest will appear.

Third, you can't apply for loans or credit cards frequently, and you can't authorize financial institutions to check credit information. This behavior shows a state of lack of money. If personal credit information is spent, it will also affect the loan application.

Fourth, it is recommended not to help others guarantee. If you must help others to guarantee, you must be clear about the repayment ability of the guarantor before the guarantee. The most important thing is character. If the guarantor is overdue, it will also affect his credit information. The bank will also ask the guarantor for repayment.

Five, the use of loans or credit cards should be based on their own ability, do not bear more than their own ability of debt, generally speaking, 70% is the red line, that is, personal debt should not exceed 70% of income.