Although Huabei has now been connected to the credit reporting system, Huabei will still not report it to the credit reporting system if it is one day late in repayment. Usually, Huabei will only report long-term or frequent overdue repayments. Users’ overdue records are reported to the credit reporting system.

1. Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that the credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.

2. Credit report

Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

3. Influencing factors

The main factors that may affect personal credit risk scores are: there has been overdue repayment in the loan, or the credit card overdraft has not been repaid within the agreed time limit and due date. Repayment limit, too many loan accounts and credit cards, etc.

4. When a credit reporting agency or information provider receives an objection, it shall mark the relevant information as objectionable in accordance with the provisions of the credit reporting industry supervision and administration department of the State Council, and shall conduct the process within 20 days from the date of receipt of the objection. Verify and process, and respond to the opponent in writing with the results.

5. After verification, if it is confirmed that there are errors or omissions in the relevant information, the information provider and the credit reporting agency shall make corrections; if it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; if it is still not possible after verification If confirmed, the verification status and objection content shall be recorded.

VI. Development status

At present, the personal credit reporting business has further expanded to foreign banks and non-banking areas, and has cooperated with pawn, guarantee, leasing and other institutions, entering a A new stage of development. The enterprise credit system collects various commercial credit information of enterprises, including enterprise registration information, annual inspection grades, product compliance information, tax grade information, and state-owned assets performance evaluation letters.