1. The meanings of corporate credit reporting and personal credit reporting are as follows: In short, credit reporting is an activity in which a professional and independent third party organization establishes a credit file for you, collects and objectively records your credit information according to law, and provides your credit report to the outside world according to law. Credit investigation records your past credit behavior and will affect your future business and economic activities. For example, if you apply for a loan from a bank, the bank can better understand your past credit status through your credit report provided by the credit bureau, and the bank can make a decision on whether to trade with you more conveniently and quickly. This is good for your business and economic activities. The more economic and social development, the closer the relationship between credit information and individuals.
With the development of market economy, everyone has more and more economic activities. In addition to proving who you are, you need a convenient and reliable tool to show whether your economic activities as a business manager are reliable or not. This tool is a personal credit report. It records your performance in past credit transactions, and can help your trading partners get to know you better and make a decision on whether to trade with you as soon as possible.
3. Personal credit report has been widely used in Europe and America and is very popular. Almost everyone has experienced economic activities. People have personal credit reports, and the application of personal credit reports is also relatively common. It permeates almost every major economic activity of an individual, including buying a house with a loan, applying for a credit card, buying insurance, renting a house, looking for a job and enjoying government benefits. Almost nothing can be done without a personal credit report. The application of personal credit report is more and more extensive, and its function is more and more like our "resident ID card", so people call it "economic report" and "economic ID card" figuratively.
4. The data of personal credit information system are provided by commercial banks and financial institutions. The credit information system is responsible for recording and sorting out the data they provide. Therefore, the frequency of updating personal credit information depends on the frequency of submitting personal credit information data by commercial banks. The general bank stipulates that the system needs to update the personal credit database once a month, and the general interval will not exceed 2 months. The central bank will record the credit card repayment information for 24 months in the credit information system. If there is a record of overdue repayment, it will be recorded in personal credit information. If the relevant institutions do not report the information, your credit report will not be updated before reporting.
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