Personal credit information is divided into personal credit information and enterprise credit information. Here we mainly explain the personal credit information report in detail.
Personal credit investigation mainly records our personal financial and credit behavior, which is composed of records formed by various credit institutions, governments and public institutions (such as seven insurances and one fund, public security law and people's livelihood payment).
Personal credit report mainly includes six sections, 1. Personal basic information: name, identity Z, education background, marital status, mobile phone number, work unit, work address, home address and other basic information. This is the data form that we fill in when we apply for a credit card every day.
2. Credit investigation: records of financial lending information such as car loan, mortgage, credit and guarantee.
3. Public information: such as people's livelihood water and electricity payment records, telecom payment records, seven insurances and one gold, tax payment records, practice qualification certificate records, and various administrative information records of public security inspection law.
4. Credit account: credit card (credit card) and other credit account information.
5. Inquiry records: personal inquiries, credit card inquiries approved by credit institutions, loan approval inquiries, guarantees and other inquiries.
6. Description: Mainly interpret the marks in the credit report, etc. This part can be ignored.
There are three main versions of personal credit report. Personal edition mainly reflects personal credit status, showing personal financial and credit information and public information. Personal edition is divided into simplified edition and detailed edition.
The difference between short version and long version
The short version only reflects the usage situation, and the daily online inquiries of our own or individual credit reporting agencies are basically short versions.
The main difference between the two is the degree of detail of various information. For example, the detailed report will show how much each credit card costs each month, how much it is repaid, the specific time and amount of overdue, and so on.
The bank version of the bank version is mainly suitable for the inquiry of commercial banks, and will not display the names of other credit reporting institutions except the inquiry institutions, mainly to protect trade secrets and fair competition.
The social version is mainly used for individuals to open stock index futures accounts. Display personal tax information, public information such as six insurances and one gold, administrative punishment, and the implementation of the public security law.
How to inquire about personal credit information Method 1: Inquire and download online, and search for "Credit Information Center of China People's Bank" on the computer as shown below to register and inquire about personal credit information report.
Method 2: Offline printing can be done at the local people's bank or local bank.
What do white households, black households and credit flowers mean? White account: Generally speaking, individuals don't have any financial credit records, which means that if you want to apply for a credit card or loan, the bank doesn't have any credit records for reference, and the bank is not at ease, so it is not easy to pass the examination and approval.
Credit investigation "black households": mainly refers to the overdue behavior of credit investigation, or the situation that it has not been repaid after being enforced by the court.
Credit information "flower": Generally speaking, personal credit information is inquired too many times by various financial institutions (for example, credit card approval inquiry is more than three times in three months, and loan approval inquiry is more than four times in half a year).
Under what circumstances will there be a bad credit record of 1, and the credit card will exceed the last repayment date (generally, credit information will not be registered within 3 days of the last repayment date).
2. When all kinds of credit and small loans exceed the prescribed repayment period, the general grace period will be longer, depending on each platform.
3. Guarantee: In the case of guaranteeing other people's loans and mortgages, the overdue of the other party will affect your credit information.
4, other public funds overdue, all kinds of civil pending execution, etc.
What is the impact of bad credit records? 1. Applications for credit cards and various loans will be rejected.
2. If you become an executor, you will be restricted everywhere, such as restricting high-speed rail, restricting high-consumption behavior, and not being able to start a business.
How to maintain personal credit information 1 Develop the good habit of repaying on time every day, and don't be overdue.
2. If it is overdue due to special circumstances, you can apply to banks and other financial platforms for an extension period in advance, or apply to the Bank for modification afterwards.
After the deadline, we must actively negotiate and deal with it. Don't lose touch, leave it alone. This may be a "black household" or a "criminal responsibility".
Summary: 1, how many pages is normal? After the new version of 20 19 was launched, the personal detailed credit information report had at least ten pages. Generally, people with credit card records start with more than 30 pages, and many credit reports have hundreds of pages, which is normal.
Good credit mainly depends on whether there are overdue records. It is one-sided to only look at the number of pages, but few credit reports are not favored by banks, because these are basically white households. There are too many pages, and it may be a credit card, which banks don't like.
To put it simply, there are generally less than four credit cards, no other small loan records or only two, the debt ratio is less than 30%, and there is no overdue record. The credit report of such users will be better.
2. Other considerations:
1. There is no limit to the number of times you can query online, and it will not have any adverse effects. The first two offline inquiries are free, and it is best to make inquiries within 6 times a year.
2, the new version of the credit record within 5 years of loan records, overdue records. Banks generally only look at the credit information in the last two years, and in some cases they will look at the overdue records five times.
3. If the credit is not overdue, only "flowers" generally have little influence on mortgage loans, but have great influence on applying for credit cards or small loans.
4. There are overdue credit records, and you can apply for repair under certain circumstances.
In ancient times, some people could not stand on their feet without faith, could not do things without faith, and could not prosper without faith. Nowadays, in the era of credit economy, people are not convinced.