At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Report information:
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;
5. Other information related to personal credit.
Extended data:
Benefits of credit report:
1, saving time
A lot of information the bank needs to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.
2. Easy to borrow money
As the saying goes, it is not difficult to borrow again. If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.
3. Credit reminder
If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. The bank will probably let you provide mortgage and guarantee.
4. Fair credit
Another great benefit of credit reporting is to help you get a fairer credit reporting opportunity. What the Credit Information Center provides to banks is an objective credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and obtains fairer credit opportunities.
Baidu Encyclopedia-Personal Credit Survey