Personal credit investigation is a personal credit record, which records all our past credit behaviors and is reflected in the personal credit report. Personal credit information can be divided into central bank credit information (generally referring to this), hundreds of bank credit information (central bank credit information online loan version) and online loan big data credit information (online loan blacklist).
Central Bank Credit Information refers to the credit information system of the People's Bank of China, which is the most authoritative credit information institution. Only banks, trust companies, insurance companies, licensed consumer finance companies and public institutions are eligible to submit central bank credit information, so the funds are not online loans from banks and are not eligible to submit.
/kloc-the credit data of 0/00 banks come from internet finance, and the licensed institutions are eligible to submit them. It is also a supplement to the central bank's credit data.
The blacklist of online loans is spontaneously organized and contributed by online loan companies, and its influence is limited to online loans, which is also irregular.
Therefore, credit reporting generally refers to central bank credit reporting. You can log on to the personal credit service platform of the Credit Information Center of the People's Bank of China to inquire about the personal credit report, which records all the information we keep. Including personal identity, loan repayment, contract performance and other credit records, housing provident fund, water, electricity and telecommunications fees and other public information.
The so-called "used credit report" refers to too many inquiry records in personal credit report.
When we fail to apply for a credit card or loan for many times, or are rejected by financial institutions for many times, financial institutions will have a lot of records when they inquire about the classification of records. Consumer credit investigation means that we applied for many loans in a short time, or applied for many loans without success, which will greatly increase the difficulty of passing new loans.
When our credit report shows overdue, it already belongs to a gray household.
Once it is overdue for 3 months in a row and accumulated for 6 times, it will be regarded as a black account and bank loan (mortgage, car loan, consumer loan, etc.). ) will be rejected with a high probability.
However, once we pay off all the debts, these bad records will disappear after five years and will not follow us for life. You can also maintain a good credit card repayment habit within 2 years after paying off the arrears, and cover the old bad records with new repayment records, which takes less time.
If the borrower is sued by the lender and the court decides that the person subjected to execution (the borrower) has the ability to perform but fails to perform the legal obligation (repayment), the borrower becomes the person subjected to breach of trust.
Those who break their promises will be banned from high-consumption behaviors, including not flying, high-speed rail, train soft sleeper, staying in star-rated hotels and buying luxury goods. And it will also be restricted to financial institutions to lend money, apply for credit cards, stock trading, buy houses, and leave the country. They cannot serve as corporate legal persons and executives, and vehicles under their names are not allowed to get on the expressway.
If the credit card is overdue, it may be criminally filed by the bank. Once it is identified as malicious overdraft, it will face fixed-term imprisonment.
Therefore, credit investigation is of great significance. In order to effectively maintain our credit information, we suggest not to guarantee loans to others easily, not to handle credit cards and various loans frequently, to repay in full and on time, and to pay utilities and telecommunications fees on time. Over time, the credit information has gradually increased.
What does "credit investigation" mean?
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
Credit information can be divided into three categories:
1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting. Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products;
2. According to the clients, it can be divided into credit information, business information, employment information and other information. The main service object of credit information is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;
3. According to the scope of credit information, it can be divided into regional credit information, domestic credit information and transnational credit information. Regional credit information is generally small in scale and only provides credit information services in specific areas. Domestic credit investigation is one of the most institutionalized forms in the world at present, especially in countries that have established credit investigation agencies in recent years. Cross-border credit reporting has risen rapidly in recent years, which can develop rapidly. There are mainly internal and external reasons: the internal reason is that some old credit reporting agencies in western countries have infiltrated other countries in various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.). ) In order to expand my business.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Credit investigation can restrain the behavior of enterprises and individuals from the system and help to form a good social credit environment. And promote the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality, and it is the basic principle to treat people with things.
What is a credit report?
Credit investigation refers to the activities of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management. Accordingly, the institution engaged in credit investigation activities is the credit investigation institution, also known as the credit investigation office. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks. You can also check personal credit reports through the Internet or local branches of the People's Bank of China. I hope my answer can help you.
What behavior will affect credit reporting?
1, improper use of credit card
If the credit card is overdue three times in a row or six times in two years, it will be reflected in the personal credit record, which will have a direct impact on applying for loans in the future. In addition, others fraudulently use ID cards or copies of ID cards to generate credit card arrears records, and personal credit cards show tx.
Such behavior will affect personal credit information.
2. Personal liabilities
Student loans, mortgages, car loans and other loans are not repaid in time; When providing a guarantee for a third party, the third party fails to repay the loan on time (external guarantee is also a debt); If the loan interest rate is raised, the "monthly payment" or installment will still be paid according to the original amount, and overdue interest will affect personal credit information.
3. Personal credit inquiry for many times.
No matter whether individuals inquire by themselves or authorize others to inquire, too many times of credit inquiry indicate that customers have great potential debt pressure and high potential risks.
4. Spouse's credit is very important.
If you are married, your spouse's credit rating will be affected if his credit is bad, his credit card is overdue or his debt is too high.
5, bad male * * * record
For example, unpaid property fees, water charges, electricity charges, gas charges, telephone charges, unpaid taxes and fees, etc. , will lead to a lower credit rating. At the same time, traffic violation information is also included in the credit information system on a pilot basis. In addition, the "Lao Lai" whose repayment has not been executed by the court will be included in the "list of dishonesty", so the "stain" of credit information is inevitable.