2.*: There is no repayment history in this month, and the data with repayment period longer than this month are marked with this symbol, and the repayment frequency is irregular, so there is no repayment behavior in this month *; This symbol is also used to indicate that there is no repayment in the month of opening an account.

3.n: normal (indicating that the borrower paid back the money of the current month in full and on time); 1: 1 ~ 30 days overdue; 2: 365438+ 0 ~ 60 days overdue; 3: 6 1 ~ 90 days overdue; 4: 9 1 ~ 120 days overdue; 5: 12 1 ~ 150 days overdue; 6: 15 1 ~ 180 overdue days; 7: overdue for more than 180 days.

4.d: repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including timely repayment by the guarantor and partial repayment by the guarantor).

5.z: Debt-for-assets (refers to the borrower's repayment of the loan by debt-for-assets method). Only refers to the part that pays off debts with assets).

6.c: Settlement (The borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, guarantor repayment settlement, etc. ).

7.g: Settlement (any other form of account termination except settlement).

8.#: The repayment situation is unknown.

What does personal credit reference mean?

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

At present, the credit records of China citizens are mainly used to engage in the credit business of banks or related institutions, which will affect the borrower's evaluation and personal credit reporting. For example, the credit card is not repaid on time, an account is loans overdue, or there are too many personal credit cards and loan accounts, which will affect the personal credit record.