Address:No.1kloc-0/,Renmin South Road, Huainan City?
Tel: 0554-2686922?
Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.
Extended data
At present, there are three versions of personal credit report, namely:
1, personal edition: for consumers to know their own credit status, mainly displaying the credit information and public information of the information subject. Including personal version and personal details version.
2. Bank version: mainly for commercial banks to inquire. In the credit transaction information, the report does not show the names of other loan banks or credit institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition.
3. Social Edition: for consumers to open stock index futures accounts. This edition displays your credit summary information, mainly including personal practice qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing accumulation fund records and credit transaction records.
Credit institutions collect information from sources of credit information. Specifically, credit information mainly comes from the following two types of institutions:
I. Credit institutions
Mainly commercial banks, rural credit cooperatives, small loan companies and other specialized institutions that provide credit business.
Second, other institutions.
Individual housing provident fund center, individual endowment insurance and other institutions.
In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business.
Contact information of China People's Bank-National Credit Information Sub-center and enquiry point