1. Collect credit reports. Credit investigation is an act of collecting, summarizing and storing the credit information of natural person users, and then displaying the credit evaluation and credit records of natural person users for credit management. Credit investigation provides users' personal credit information for banks and formal financial institutions that need to provide credit records, and managing the credit records of natural person users affects users' future credit lending and other economic activities.
2. There is no evidence of a criminal offence. No criminal certificate refers to the applicant who went to the police station to prove that there was no criminal certificate from birth to the day when the certificate was issued.