for example, if a user applies for a credit loan with a credit line of 1, yuan and has used 5, yuan, the credit report will show that the balance is 5, yuan. In addition, the balance on the credit report is , which means that the loan has been fully paid off and there is no remaining debt. Credit investigation means that banks and other financial institutions collect and save credit information about individuals or enterprises for future reference. This information includes loan application, credit card application, loan repayment record, credit card repayment record, loan default record, credit card default record, etc. Credit information system can help financial institutions to evaluate the credit status of customers, so as to decide whether to approve loans or credit card applications.
credit report is divided into three categories, namely personal basic information, credit transaction information and other information. If you want to check your own credit report, you can go to the Credit Information Center of China People's Bank or the credit information management department of the local People's Bank where the individual is located. When inquiring, bring the original and photocopy of your valid ID card, and leave the photocopy to the inquiry institution for future reference.